97 E Saint James St APT 21San JoseCA95112
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 97 E Saint James St APT 21, San Jose, CA, 95112 in San Jose deserves attention. This $499,000 property earns $4,958/mo in rent, a 11.92% gross yield, and nets $849/mo after the $2,366/mo payment. DSCR 2.10 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $137,865 compounds alongside $4,183/yr in yearly equity build, for a total cumulative return of $300,219.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.9% | 6.0% |
| Monthly Cash Flow | $849 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $4,958 |
| Total Monthly Debt Service | $3,010 |
| DSCR Ratio | 1.65x |
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 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Condo
Built in 1986
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95112, San Jose, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,764 (100%) |
| Owner Occupied HU | 6,050 (24.4%) |
| Renter Occupied HU | 16,994 (68.6%) |
| Vacant Housing Units | 1,720 ( 6.9%) |
| Median Home Value | $1,119,691 |
| Average Home Value | $1,168,240 |
Housing Distribution
Address Breakdown
Residential
23,233
Single Family
14,328
Multi-Family
8,905
Businesses
3,455
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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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82059971
