4884 McCoy AveSan JoseCA95130
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in San Jose at 4884 McCoy Ave, San Jose, CA, 95130 projects strong ROI of 12.25%. Rental yield 4.48%. With 5% annual appreciation, the property builds $577,152 in value over five years. Equity growth combined delivers a projected five-year ROI of 78.44%, translating into $462,893 in total cumulative return on $590,142 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.5% | 6.0% |
| Monthly Cash Flow | $(5,116) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,807 |
| Total Monthly Debt Service | $12,092 |
| DSCR Ratio | 0.65x |
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 1959
5,663 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 1959
5,663 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