4754 Bannock CirSan JoseCA95130
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 4754 Bannock Cir, San Jose, CA, 95130 in San Jose. Rental yield 3.3%. At $1,885,000 with 3.3% gross yield, current distributions are modest, but the 5% appreciation rate projects $520,791 in new equity by year five, complemented by $17,361/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.61) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $298,105.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.3% | 6.0% |
| Monthly Cash Flow | $(6,475) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,186 |
| Total Monthly Debt Service | $10,911 |
| DSCR Ratio | 0.48x |
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.
Single Family
Built in 1961
6,060 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95130, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,950 (100%) |
| Owner Occupied HU | 2,650 (53.5%) |
| Renter Occupied HU | 2,140 (43.2%) |
| Vacant Housing Units | 160 ( 3.2%) |
| Median Home Value | $1,789,386 |
| Average Home Value | $1,767,165 |
Housing Distribution
Address Breakdown
Residential
4,945
Single Family
4,600
Multi-Family
345
Businesses
98
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
Single Family
Built in 1961
6,060 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95130, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,950 (100%) |
| Owner Occupied HU | 2,650 (53.5%) |
| Renter Occupied HU | 2,140 (43.2%) |
| Vacant Housing Units | 160 ( 3.2%) |
| Median Home Value | $1,789,386 |
| Average Home Value | $1,767,165 |
Housing Distribution
Address Breakdown
Residential
4,945
Single Family
4,600
Multi-Family
345
Businesses
98
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Azita Alaverdi • Compass
Mls Name: MLSListings Inc
Mls ID: #ML82033469