1555 Hecker Pass Hwy #C103GilroyCA95020
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeFinancing efficiency matters for international buyers, and 1555 Hecker Pass Hwy #C103, Gilroy, CA, 95020 in Gilroy offers it: the 1.64 DSCR gives Ziffy Mortgage's underwriting team an unusually clean file, no U.S. credit, no personal income required. Rental yield 8.87%. Long-term, 5% appreciation is forecast to add $142,285, and $4,743/yr in principal paydown compounds equity steadily. Projected five-year cumulative return: $179,121.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $(314) | $500 |
City averages based on Gilroy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,806 |
| Total Monthly Debt Service | $3,916 |
| DSCR Ratio | 0.97x |
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.
Condo
Built in 1985
553 sqft lot
$N/A/sqft
$694 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95020, Gilroy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,660 (100%) |
| Owner Occupied HU | 12,913 (59.6%) |
| Renter Occupied HU | 7,817 (36.1%) |
| Vacant Housing Units | 930 ( 4.3%) |
| Median Home Value | $1,024,699 |
| Average Home Value | $1,156,483 |
Housing Distribution
Address Breakdown
Residential
21,040
Single Family
19,252
Multi-Family
1,788
Businesses
1,855
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 1985
553 sqft lot
$N/A/sqft
$694 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95020, Gilroy, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 21,660 (100%) |
| Owner Occupied HU | 12,913 (59.6%) |
| Renter Occupied HU | 7,817 (36.1%) |
| Vacant Housing Units | 930 ( 4.3%) |
| Median Home Value | $1,024,699 |
| Average Home Value | $1,156,483 |
Housing Distribution
Address Breakdown
Residential
21,040
Single Family
19,252
Multi-Family
1,788
Businesses
1,855
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Paul Coutts • Coldwell Banker Realty
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82014608
Disclaimer: Based on information from the MLSListings MLS as of 2025-10-17 03:29:18 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.