Investment Property Details
Milpitas, Santa Clara County median: $1,450,000
Down payment: $362,500 | Loan: $1,087,500
Milpitas, Santa Clara County median rent: $3,200/mo
Milpitas, Santa Clara County Market Snapshot
- Conforming Limit
- $1,149,825
- Median Rent
- $3,200/mo
- Avg Property Tax Rate
- 1.12%
- Est. Annual Tax
- $16,240
Your DSCR Ratio
0.36
Below break-even — rent does not cover PITIA
Monthly Rent
$3,200
Monthly PITIA
$8,938
Required Rent by DSCR Threshold
Required Rent
$8,938/mo
vs Your Rent
-$5,738
Required Rent
$11,173/mo
vs Your Rent
-$7,973
Milpitas, Santa Clara County Median Rent Comparison
The median rent in Milpitas, Santa Clara County, California is $3,200/mo.
Your Rent vs Median
+$0
DSCR at Median Rent
0.36
Calculations are estimates for educational purposes only. Actual DSCR requirements vary by lender, property type, and loan program. Most DSCR lenders require a minimum ratio of 1.0–1.25. Contact Mo Abdel at (949) 822-9662 for a personalized investment property analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What DSCR ratio do I need for an investment property in Milpitas, California?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. In Milpitas, the median rent is $3,200/mo and the median home value is $1,450,000. Use the calculator above to determine if your target property meets lender DSCR requirements.
What is the median rent in Milpitas for 2026?
The 2026 median rent in Milpitas, Santa Clara County is $3,200 per month. This is used by appraisers and DSCR lenders when underwriting investment property loans. Actual rents vary by property type, bedrooms, condition, and exact location.
What property tax rate applies to investment properties in Milpitas?
The average effective property tax rate in Milpitas is 1.12%. On an investment property valued at $1,450,000, that's approximately $16,240 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
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