780 Nirasa LnSan JoseCA95125
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 5.59% gross rental yield, 780 Nirasa Ln, San Jose, CA, 95125 in San Jose is priced for capital growth, not immediate cash flow. The $1,402,655 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $387,528 by year five, with $12,919/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (1.14) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $393,119.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 6.0% |
| Monthly Cash Flow | $(3,020) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,218 |
| Total Monthly Debt Service | $8,866 |
| DSCR Ratio | 0.81x |
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 2009
2,313 sqft lot
$N/A/sqft
$212 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95125, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,815 (100%) |
| Owner Occupied HU | 12,828 (58.8%) |
| Renter Occupied HU | 8,020 (36.8%) |
| Vacant Housing Units | 967 ( 4.4%) |
| Median Home Value | $1,688,209 |
| Average Home Value | $1,602,473 |
Housing Distribution
Address Breakdown
Residential
21,513
Single Family
17,972
Multi-Family
3,541
Businesses
1,706
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 2009
2,313 sqft lot
$N/A/sqft
$212 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95125, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,815 (100%) |
| Owner Occupied HU | 12,828 (58.8%) |
| Renter Occupied HU | 8,020 (36.8%) |
| Vacant Housing Units | 967 ( 4.4%) |
| Median Home Value | $1,688,209 |
| Average Home Value | $1,602,473 |
Housing Distribution
Address Breakdown
Residential
21,513
Single Family
17,972
Multi-Family
3,541
Businesses
1,706
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Bev Harada • Christie's International Real Estate Sereno
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82005166
Disclaimer: Based on information from the MLSListings MLS as of 2025-10-08 08:59:24 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.