97 E Saint James St APT 21San JoseCA95112
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 97 E Saint James St APT 21, San Jose, CA, 95112 in San Jose. At $634,000 it earns $4,283/mo in rent and distributes $361/mo to the owner after the $2,851/mo payment, a consistent 8.11% yield. DSCR 1.50 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $175,163 in value; $5,839/yr in principal paydown compounds ownership stake. Total projected return: $263,665.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 6.0% |
| Monthly Cash Flow | $361 | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,283 |
| Total Monthly Debt Service | $3,670 |
| DSCR Ratio | 1.17x |
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 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
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 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Galina Plizga • New Light Realty
Mls Name: MLSListings Inc
Mls ID: #ML82027357