Investment Property Details
San Jose, Santa Clara County median: $1,350,000
Down payment: $337,500 | Loan: $1,012,500
San Jose, Santa Clara County median rent: $3,100/mo
San Jose, Santa Clara County Market Snapshot
- Conforming Limit
- $1,149,825
- Median Rent
- $3,100/mo
- Avg Property Tax Rate
- 1.14%
- Est. Annual Tax
- $15,390
Your DSCR Ratio
0.37
Below break-even — rent does not cover PITIA
Monthly Rent
$3,100
Monthly PITIA
$8,369
Required Rent by DSCR Threshold
Required Rent
$8,369/mo
vs Your Rent
-$5,269
Required Rent
$10,461/mo
vs Your Rent
-$7,361
San Jose, Santa Clara County Median Rent Comparison
The median rent in San Jose, Santa Clara County, California is $3,100/mo.
Your Rent vs Median
+$0
DSCR at Median Rent
0.37
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 San Jose, California?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. In San Jose, the median rent is $3,100/mo and the median home value is $1,350,000. Use the calculator above to determine if your target property meets lender DSCR requirements.
What is the median rent in San Jose for 2026?
The 2026 median rent in San Jose, Santa Clara County is $3,100 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 San Jose?
The average effective property tax rate in San Jose is 1.14%. On an investment property valued at $1,350,000, that's approximately $15,390 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
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