4272 Payne AveSan JoseCA95117
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.08% gross rental yield, 4272 Payne Ave, San Jose, CA, 95117 in San Jose is priced for capital growth, not immediate cash flow. The $1,150,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $317,724 by year five, with $10,592/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.94) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $291,398.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 6.0% |
| Monthly Cash Flow | $(2,248) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,866 |
| Total Monthly Debt Service | $6,657 |
| DSCR Ratio | 0.73x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Townhouse
Built in 2004
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95117, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,893 (100%) |
| Owner Occupied HU | 3,637 (26.2%) |
| Renter Occupied HU | 9,042 (65.1%) |
| Vacant Housing Units | 1,214 ( 8.7%) |
| Median Home Value | $1,559,959 |
| Average Home Value | $1,508,930 |
Housing Distribution
Address Breakdown
Residential
11,151
Single Family
9,359
Multi-Family
1,792
Businesses
426
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Townhouse
Built in 2004
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95117, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,893 (100%) |
| Owner Occupied HU | 3,637 (26.2%) |
| Renter Occupied HU | 9,042 (65.1%) |
| Vacant Housing Units | 1,214 ( 8.7%) |
| Median Home Value | $1,559,959 |
| Average Home Value | $1,508,930 |
Housing Distribution
Address Breakdown
Residential
11,151
Single Family
9,359
Multi-Family
1,792
Businesses
426
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Valerie Trang • Infiniti Real Estate
Mls Name: MLSListings Inc
Mls ID: #ML82031880