5769 Barnswell WaySan JoseCA95138
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 5769 Barnswell Way, San Jose, CA, 95138 in San Jose is capital appreciation. Rental yield 4.05%. The 4.05% gross yield at $1,550,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $428,236 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (0.75) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $307,008.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 6.0% |
| Monthly Cash Flow | $(4,362) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,227 |
| Total Monthly Debt Service | $8,972 |
| DSCR Ratio | 0.58x |
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 1978
5,824 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95138, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,049 (100%) |
| Owner Occupied HU | 4,809 (79.5%) |
| Renter Occupied HU | 1,082 (17.9%) |
| Vacant Housing Units | 158 ( 2.6%) |
| Median Home Value | $1,514,052 |
| Average Home Value | $1,484,227 |
Housing Distribution
Address Breakdown
Residential
6,036
Single Family
5,812
Multi-Family
224
Businesses
239
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 1978
5,824 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95138, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 6,049 (100%) |
| Owner Occupied HU | 4,809 (79.5%) |
| Renter Occupied HU | 1,082 (17.9%) |
| Vacant Housing Units | 158 ( 2.6%) |
| Median Home Value | $1,514,052 |
| Average Home Value | $1,484,227 |
Housing Distribution
Address Breakdown
Residential
6,036
Single Family
5,812
Multi-Family
224
Businesses
239
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Elena Johal • Tenacity Real Estate
Mls Name: MLSListings Inc
Mls ID: #ML82015569