5629 Judith StSan JoseCA95123
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play5629 Judith St, San Jose, CA, 95123 in San Jose is priced for appreciation, not yield. Rental yield 4.56%. At $1,535,989 with a 4.56% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $424,365 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (0.84) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $346,519.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.0% |
| Monthly Cash Flow | $(3,666) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,836 |
| Total Monthly Debt Service | $8,891 |
| DSCR Ratio | 0.66x |
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 1974
6,510 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95123, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,587 (100%) |
| Owner Occupied HU | 14,216 (57.8%) |
| Renter Occupied HU | 9,594 (39.0%) |
| Vacant Housing Units | 777 ( 3.2%) |
| Median Home Value | $1,169,061 |
| Average Home Value | $1,179,482 |
Housing Distribution
Address Breakdown
Residential
24,862
Single Family
20,176
Multi-Family
4,686
Businesses
950
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 1974
6,510 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95123, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,587 (100%) |
| Owner Occupied HU | 14,216 (57.8%) |
| Renter Occupied HU | 9,594 (39.0%) |
| Vacant Housing Units | 777 ( 3.2%) |
| Median Home Value | $1,169,061 |
| Average Home Value | $1,179,482 |
Housing Distribution
Address Breakdown
Residential
24,862
Single Family
20,176
Multi-Family
4,686
Businesses
950
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Lisa Gault • The William Jefferies Company
Mls Name: MLSListings Inc
Mls ID: #ML82016847