708 Spindrift DrSan JoseCA95134
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 708 Spindrift Dr, San Jose, CA, 95134 in San Jose speaks for itself: 12.75% gross on a $320,000 price, generating $3,399/mo in rent and $1,419/mo in net income after the $1,439/mo debt service. DSCR 2.36, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $17,033 stacks alongside $88,410 in projected five-year appreciation and $2,947/yr in principal reduction. Projected total cumulative return: $212,684.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 12.8% | 6.0% |
| Monthly Cash Flow | $1,419 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,399 |
| Total Monthly Debt Service | $1,852 |
| DSCR Ratio | 1.84x |
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 2001
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95134, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,963 (100%) |
| Owner Occupied HU | 1,797 (12.9%) |
| Renter Occupied HU | 11,340 (81.2%) |
| Vacant Housing Units | 826 ( 5.9%) |
| Median Home Value | $346,787 |
| Average Home Value | $664,604 |
Housing Distribution
Address Breakdown
Residential
14,013
Single Family
2,053
Multi-Family
11,960
Businesses
628
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 2001
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95134, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,963 (100%) |
| Owner Occupied HU | 1,797 (12.9%) |
| Renter Occupied HU | 11,340 (81.2%) |
| Vacant Housing Units | 826 ( 5.9%) |
| Median Home Value | $346,787 |
| Average Home Value | $664,604 |
Housing Distribution
Address Breakdown
Residential
14,013
Single Family
2,053
Multi-Family
11,960
Businesses
628
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Serina Diaz • The Real Estate Syndicate
Mls Name: MetroList Services of CA
Mls ID: #225103783