104 Lancewood PlLos GatosCA95032
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.37% gross rental yield, 104 Lancewood Pl, Los Gatos, CA, 95032 in Los Gatos is priced for capital growth, not immediate cash flow. The $1,700,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $469,679 by year five, with $15,657/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.81) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $365,888.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 6.0% |
| Monthly Cash Flow | $(4,977) | $1,200 |
City averages based on Los Gatos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,185 |
| Total Monthly Debt Service | $9,840 |
| DSCR Ratio | 0.63x |
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.
Townhouse
Built in 1977
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95032, Los Gatos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,224 (100%) |
| Owner Occupied HU | 7,116 (63.4%) |
| Renter Occupied HU | 3,629 (32.3%) |
| Vacant Housing Units | 479 ( 4.3%) |
| Median Home Value | $1,945,987 |
| Average Home Value | $1,789,765 |
Housing Distribution
Address Breakdown
Residential
11,128
Single Family
9,885
Multi-Family
1,243
Businesses
1,092
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
Townhouse
Built in 1977
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95032, Los Gatos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,224 (100%) |
| Owner Occupied HU | 7,116 (63.4%) |
| Renter Occupied HU | 3,629 (32.3%) |
| Vacant Housing Units | 479 ( 4.3%) |
| Median Home Value | $1,945,987 |
| Average Home Value | $1,789,765 |
Housing Distribution
Address Breakdown
Residential
11,128
Single Family
9,885
Multi-Family
1,243
Businesses
1,092
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Frank Quinn • Coldwell Banker Realty
Mls Name: MLSListings Inc
Mls ID: #ML82031967