6130 Monterey Rd #203San JoseCA95138
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow6130 Monterey Rd #203, San Jose, CA, 95138 in San Jose is a top-tier cash-flow asset. At $485,000 it produces $4,740/mo in rent and $1,740/mo in net monthly income, a 11.73% gross rental yield. The DSCR of 2.17 qualifies for Ziffy Mortgage's DSCR loan without W-2s or U.S. credit history. Annual cash flow: $20,877. Five-year appreciation adds $133,997, driving a total cumulative return of $295,857.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.7% | 6.0% |
| Monthly Cash Flow | $1,740 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,740 |
| Total Monthly Debt Service | $2,807 |
| DSCR Ratio | 1.69x |
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 2015
N/A 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
Manufactured
Built in 2015
N/A 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: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82036667