514 Mayellen AveSan JoseCA95126
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 514 Mayellen Ave, San Jose, CA, 95126 in San Jose is capital appreciation. Rental yield 4.76%. The 4.76% gross yield at $1,149,950 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $317,710 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.88) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $271,570.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.8% | 6.0% |
| Monthly Cash Flow | $(2,556) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,558 |
| Total Monthly Debt Service | $6,656 |
| DSCR Ratio | 0.68x |
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 1953
5,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95126, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,368 (100%) |
| Owner Occupied HU | 4,905 (26.7%) |
| Renter Occupied HU | 12,253 (66.7%) |
| Vacant Housing Units | 1,210 ( 6.6%) |
| Median Home Value | $1,438,605 |
| Average Home Value | $1,482,739 |
Housing Distribution
Address Breakdown
Residential
17,293
Single Family
10,636
Multi-Family
6,657
Businesses
1,415
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 1953
5,600 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95126, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,368 (100%) |
| Owner Occupied HU | 4,905 (26.7%) |
| Renter Occupied HU | 12,253 (66.7%) |
| Vacant Housing Units | 1,210 ( 6.6%) |
| Median Home Value | $1,438,605 |
| Average Home Value | $1,482,739 |
Housing Distribution
Address Breakdown
Residential
17,293
Single Family
10,636
Multi-Family
6,657
Businesses
1,415
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Brandon Koehne • KW Bay Area Estates
Mls Name: MLSListings Inc
Mls ID: #ML82026516