6023 Montgomery CorSan JoseCA95135
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 6023 Montgomery Cor, San Jose, CA, 95135 in San Jose is narrow, $11/mo net on $3,908/mo rent after the $2,833/mo debt service, but the property operates at break-even-plus, not a loss. At $629,988 with a 7.44% yield, the long-run equity case via 5% appreciation ($174,054 over five years) and $5,802/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.38 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $239,596.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.4% | 6.0% |
| Monthly Cash Flow | $11 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,908 |
| Total Monthly Debt Service | $3,647 |
| DSCR Ratio | 1.07x |
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.
Condo
Built in 1972
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95135, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,663 (100%) |
| Owner Occupied HU | 6,391 (83.4%) |
| Renter Occupied HU | 986 (12.9%) |
| Vacant Housing Units | 286 ( 3.7%) |
| Median Home Value | $1,599,745 |
| Average Home Value | $1,558,517 |
Housing Distribution
Address Breakdown
Residential
7,556
Single Family
7,182
Multi-Family
374
Businesses
119
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
Condo
Built in 1972
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95135, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,663 (100%) |
| Owner Occupied HU | 6,391 (83.4%) |
| Renter Occupied HU | 986 (12.9%) |
| Vacant Housing Units | 286 ( 3.7%) |
| Median Home Value | $1,599,745 |
| Average Home Value | $1,558,517 |
Housing Distribution
Address Breakdown
Residential
7,556
Single Family
7,182
Multi-Family
374
Businesses
119
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Martin Sanchez • J.Peter Realtors
Mls Name: MetroList Services of CA
Mls ID: #226006614