6055 Fairhope PlSan JoseCA95123
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 6055 Fairhope Pl, San Jose, CA, 95123 in San Jose worth study. Rental yield 4.6%. The 4.6% gross yield is below cash-flow benchmarks at $1,354,900, but 5% annual appreciation, adding $374,334 over five years, frames this as a capital growth position. Rent of $5,192/mo partially offsets the $6,092/mo payment. Ziffy Mortgage finances appreciation-play properties (0.85 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $266,198.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 6.0% |
| Monthly Cash Flow | $(3,894) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,192 |
| Total Monthly Debt Service | $8,548 |
| DSCR Ratio | 0.61x |
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 1994
2,435 sqft lot
$N/A/sqft
$117 monthly 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 1994
2,435 sqft lot
$N/A/sqft
$117 monthly 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: N/A • N/A
Mls Name: undefined
Mls ID: #N/A