6944 Gregorich Dr UNIT CSan JoseCA95138
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayThe investment thesis at 6944 Gregorich Dr UNIT C, San Jose, CA, 95138 in San Jose is capital appreciation. Rental yield 5.84%. The 5.84% gross yield at $780,000 falls below cash-flow thresholds, but 5% annual value growth is forecast to deliver $215,500 in additional equity by year five, an equity gain that can outpace many higher-yield markets. Ziffy Mortgage finances appreciation-play assets via DSCR (1.08) without U.S. credit history; structure with a larger down payment to optimise coverage. Total projected return: $182,236.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.8% | 6.0% |
| Monthly Cash Flow | $(1,818) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,799 |
| Total Monthly Debt Service | $5,307 |
| DSCR Ratio | 0.72x |
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.
Townhouse
Built in 1992
595 sqft lot
$N/A/sqft
$431 monthly 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
Townhouse
Built in 1992
595 sqft lot
$N/A/sqft
$431 monthly 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: Yuri Lavrentiev • Compass
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82011346
Disclaimer: Based on information from the MLSListings MLS as of 2025-10-30 21:34:35 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.