North 3rdSan JoseCA95112
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestment property for sale in San Jose at North 3rd, San Jose, CA, 95112 projects strong ROI of 1.08%. Rental yield 1.33%. With 5% annual appreciation, the property builds $787,402 in value over five years. Equity growth combined delivers a projected five-year ROI of 18.54%, translating into $149,254 in total cumulative return on $805,125 invested capital. You can finance this property with Ziffy Mortgage’s DSCR loan, which leverages the property’s income for qualification rather than your personal income.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 1.3% | 6.0% |
| Monthly Cash Flow | $(14,473) | $500 |
City averages based on San Jose market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,157 |
| Total Monthly Debt Service | $16,497 |
| DSCR Ratio | 0.19x |
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.
Multi Family
Built in 1964
6,098 sqft 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
Multi Family
Built in 1964
6,098 sqft 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