Silicon Valley's Premier Investment Market - Tech Hub Long-Term Appreciation
Median $1.5M • Rent $4,800/mo • DSCR 1.02+
San Jose, the heart of Silicon Valley, offers exceptional long-term appreciation fueled by tech salaries averaging $150K+. While cash flow is modest (DSCR 1.0-1.10), investors target 8-10% annual appreciation—turning a $1.5M property into $2.4M+ in 5 years.
DSCR loans work because premium rents ($4,500-$5,500) still qualify you even with high purchase prices. No personal income docs needed—the property's rent covers the mortgage, and equity growth does the heavy lifting.
Apple, Google, Meta, Cisco HQs. Tenants earn $150K-$300K. Recession-resistant rental demand.
Historical 8-10% annual gains. $1.5M property = $150K/year equity growth. Compounding wealth machine.
DSCR 1.0-1.10 means $0-$500/mo cash flow. Appreciation is the real payoff.
DSCR loans make San Jose accessible—no $500K income verification required.
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