861 Gilchrist Dr #4San JoseCA95133
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowInvestors targeting immediate dollar income will find 861 Gilchrist Dr #4, San Jose, CA, 95133 in San Jose hard to pass up. The 10.14% gross yield on a $545,000 purchase results in $4,606/mo in rent and $824/mo in net cash, well above the spread required for Ziffy Mortgage's DSCR qualification (1.88). Annual cash flow of $9,890, five-year appreciation of $150,573, and $5,020/yr in equity build-up combine for a projected total cumulative return of $261,512.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.1% | 6.0% |
| Monthly Cash Flow | $824 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,606 |
| Total Monthly Debt Service | $3,565 |
| DSCR Ratio | 1.29x |
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 1971
N/A lot
$N/A/sqft
$410 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95133, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,500 (100%) |
| Owner Occupied HU | 5,088 (53.6%) |
| Renter Occupied HU | 4,154 (43.7%) |
| Vacant Housing Units | 258 ( 2.7%) |
| Median Home Value | $1,183,293 |
| Average Home Value | $1,191,329 |
Housing Distribution
Address Breakdown
Residential
9,657
Single Family
8,248
Multi-Family
1,409
Businesses
472
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 1971
N/A lot
$N/A/sqft
$410 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95133, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,500 (100%) |
| Owner Occupied HU | 5,088 (53.6%) |
| Renter Occupied HU | 4,154 (43.7%) |
| Vacant Housing Units | 258 ( 2.7%) |
| Median Home Value | $1,183,293 |
| Average Home Value | $1,191,329 |
Housing Distribution
Address Breakdown
Residential
9,657
Single Family
8,248
Multi-Family
1,409
Businesses
472
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices