510 Saddle Brook Dr SPC 131San JoseCA95136
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowDay-one income is the story at 510 Saddle Brook Dr SPC 131, San Jose, CA, 95136 in San Jose. Priced at $330,000, it generates $4,222/mo in gross rent and $2,180/mo in net monthly cash flow, a 15.35% yield that comfortably supports the 2.85 DSCR needed for Ziffy Mortgage's no-W2 DSCR mortgage. Projected annual cash flow: $26,162. Five-year appreciation: $91,173. Equity from principal paydown: $3,039/yr. Total projected cumulative return: $265,455.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.4% | 6.0% |
| Monthly Cash Flow | $2,180 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,222 |
| Total Monthly Debt Service | $1,910 |
| DSCR Ratio | 2.21x |
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.
Manufactured
Built in 1999
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95136, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,863 (100%) |
| Owner Occupied HU | 9,324 (55.3%) |
| Renter Occupied HU | 6,723 (39.9%) |
| Vacant Housing Units | 816 ( 4.8%) |
| Median Home Value | $1,146,088 |
| Average Home Value | $1,136,635 |
Housing Distribution
Address Breakdown
Residential
16,721
Single Family
14,757
Multi-Family
1,964
Businesses
282
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
Manufactured
Built in 1999
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95136, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 16,863 (100%) |
| Owner Occupied HU | 9,324 (55.3%) |
| Renter Occupied HU | 6,723 (39.9%) |
| Vacant Housing Units | 816 ( 4.8%) |
| Median Home Value | $1,146,088 |
| Average Home Value | $1,136,635 |
Housing Distribution
Address Breakdown
Residential
16,721
Single Family
14,757
Multi-Family
1,964
Businesses
282
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices