14225 Lora Dr APT 51Los GatosCA95032
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe 9.42% yield at 14225 Lora Dr APT 51, Los Gatos, CA, 95032 in Los Gatos is solid, but the $1,970/mo payment compresses net cash flow to $54/mo at $438,000. This is a tight-spread property, income covers debt, with little cushion. For investors who can optimise occupancy, the upside is real: 5% annual appreciation adds $121,011 by year five, and $4,034/yr in loan paydown builds equity. Ziffy Mortgage qualifies this via DSCR (1.75) without U.S. income documentation. Total projected return: $212,960.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.4% | 6.0% |
| Monthly Cash Flow | $54 | $1,200 |
City averages based on Los Gatos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,438 |
| Total Monthly Debt Service | $2,535 |
| DSCR Ratio | 1.36x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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.
Condo
Built in 1963
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
Condo
Built in 1963
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: N/A • N/A
Mls Name: MLSListings Inc
Mls ID: #ML82038753