964 Summerplace DrSan JoseCA95122
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingSteady, low-maintenance, and fundable: 964 Summerplace Dr, San Jose, CA, 95122 in San Jose at $619,000. Rental yield 6.75%. The 6.75% yield and 1.25 DSCR put this right in the range Ziffy Mortgage approves for non-U.S. investors without W-2s or domestic credit. Appreciation at 5%/yr is projected to add $171,018 by year five, and $5,701/yr in principal reduction steadily grows the investor's stake. Total projected cumulative return: $161,575.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.8% | 6.0% |
| Monthly Cash Flow | $(1,194) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,480 |
| Total Monthly Debt Service | $4,428 |
| DSCR Ratio | 0.79x |
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.
Condo
Built in 1992
N/A lot
$N/A/sqft
$550 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95122, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,141 (100%) |
| Owner Occupied HU | 6,416 (48.8%) |
| Renter Occupied HU | 6,309 (48.0%) |
| Vacant Housing Units | 416 ( 3.2%) |
| Median Home Value | $829,339 |
| Average Home Value | $880,897 |
Housing Distribution
Address Breakdown
Residential
12,708
Single Family
10,964
Multi-Family
1,744
Businesses
1,332
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 1992
N/A lot
$N/A/sqft
$550 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95122, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,141 (100%) |
| Owner Occupied HU | 6,416 (48.8%) |
| Renter Occupied HU | 6,309 (48.0%) |
| Vacant Housing Units | 416 ( 3.2%) |
| Median Home Value | $829,339 |
| Average Home Value | $880,897 |
Housing Distribution
Address Breakdown
Residential
12,708
Single Family
10,964
Multi-Family
1,744
Businesses
1,332
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices