670 Teatree CtSan JoseCA95128
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 670 Teatree Ct, San Jose, CA, 95128 in San Jose at $619,880 earns $3,881/mo in rent and nets $46/mo after the $2,787/mo payment, a 7.51% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $171,261 over five years. Ziffy Mortgage underwrites this on a 1.39 DSCR without U.S. credit history. With $5,709/yr in principal paydown, total projected return reaches $238,076.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 6.0% |
| Monthly Cash Flow | $46 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,881 |
| Total Monthly Debt Service | $3,588 |
| DSCR Ratio | 1.08x |
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 1988
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95128, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,742 (100%) |
| Owner Occupied HU | 5,144 (37.4%) |
| Renter Occupied HU | 7,805 (56.8%) |
| Vacant Housing Units | 793 ( 5.8%) |
| Median Home Value | $1,429,919 |
| Average Home Value | $1,417,628 |
Housing Distribution
Address Breakdown
Residential
14,926
Single Family
11,845
Multi-Family
3,081
Businesses
1,610
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 1988
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95128, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,742 (100%) |
| Owner Occupied HU | 5,144 (37.4%) |
| Renter Occupied HU | 7,805 (56.8%) |
| Vacant Housing Units | 793 ( 5.8%) |
| Median Home Value | $1,429,919 |
| Average Home Value | $1,417,628 |
Housing Distribution
Address Breakdown
Residential
14,926
Single Family
11,845
Multi-Family
3,081
Businesses
1,610
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Fifi Li • Redfin
Mls Name: MLSListings Inc
Mls ID: #ML82025182