4691 Albany Cir APT 126San JoseCA95129
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid, durable, and financeable, 4691 Albany Cir APT 126, San Jose, CA, 95129 in San Jose earns a 8.1% gross yield at $448,000. Rent of $3,023/mo nets $251/mo after the $2,014/mo mortgage. The 1.50 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $123,774 and $4,126/yr in equity accumulation project a total cumulative return of $186,124.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $251 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,023 |
| Total Monthly Debt Service | $2,593 |
| DSCR Ratio | 1.17x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Condo
Built in 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95129, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,142 (100%) |
| Owner Occupied HU | 7,733 (54.7%) |
| Renter Occupied HU | 5,844 (41.3%) |
| Vacant Housing Units | 565 ( 4.0%) |
| Median Home Value | $1,858,556 |
| Average Home Value | $1,771,965 |
Housing Distribution
Address Breakdown
Residential
14,690
Single Family
12,372
Multi-Family
2,318
Businesses
1,124
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
Condo
Built in 1982
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95129, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 14,142 (100%) |
| Owner Occupied HU | 7,733 (54.7%) |
| Renter Occupied HU | 5,844 (41.3%) |
| Vacant Housing Units | 565 ( 4.0%) |
| Median Home Value | $1,858,556 |
| Average Home Value | $1,771,965 |
Housing Distribution
Address Breakdown
Residential
14,690
Single Family
12,372
Multi-Family
2,318
Businesses
1,124
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bonafede Team • Compass
Mls Name: MLSListings Inc
Mls ID: #ML82017887