559 Mountain Home Dr #559San JoseCA95136
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 559 Mountain Home Dr #559, San Jose, CA, 95136 in San Jose at $459,000 earns $2,911/mo in rent and nets $72/mo after the $2,064/mo payment, a 7.61% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $126,813 over five years. Ziffy Mortgage underwrites this on a 1.41 DSCR without U.S. credit history. With $4,227/yr in principal paydown, total projected return reaches $178,672.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 6.0% |
| Monthly Cash Flow | $72 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,911 |
| Total Monthly Debt Service | $2,657 |
| DSCR Ratio | 1.10x |
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 1973
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 1973
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
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82035841