126 Via LagoLos GatosCA95032
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 126 Via Lago, Los Gatos, CA, 95032 in Los Gatos fits: $1,725,000, 3.35% gross yield, and a projected 5% annual appreciation rate adding $476,586 in value within five years. Rental yield 3.35%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.62) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $15,887/yr in principal paydown and $476,586 in appreciation project a total return of $200,469.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.4% | 6.0% |
| Monthly Cash Flow | $(7,136) | $1,200 |
City averages based on Los Gatos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,818 |
| Total Monthly Debt Service | $11,268 |
| DSCR Ratio | 0.43x |
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 1975
924 sqft lot
$N/A/sqft
$2,076 quarterly 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 1975
924 sqft lot
$N/A/sqft
$2,076 quarterly 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: Alex Y Tong • Real Estate Experts ERA Powere
Mls Name: SFAR
Mls Provider:
Mls ID: #426097589
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.