18449 Circle DrLos GatosCA95033
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeInvestors who value predictability will appreciate 18449 Circle Dr, Los Gatos, CA, 95033 in Los Gatos. At $935,000 it earns $6,348/mo in rent and distributes $564/mo to the owner after the $4,204/mo payment, a consistent 8.15% yield. DSCR 1.51 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $258,323 in value; $8,611/yr in principal paydown compounds ownership stake. Total projected return: $390,850.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 6.0% |
| Monthly Cash Flow | $564 | $1,200 |
City averages based on Los Gatos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,348 |
| Total Monthly Debt Service | $5,412 |
| DSCR Ratio | 1.17x |
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.
Single Family
Built in 1963
1.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95033, Los Gatos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,003 (100%) |
| Owner Occupied HU | 2,963 (74.0%) |
| Renter Occupied HU | 689 (17.2%) |
| Vacant Housing Units | 351 ( 8.8%) |
| Median Home Value | $1,687,255 |
| Average Home Value | $1,655,553 |
Housing Distribution
Address Breakdown
Residential
3,624
Single Family
3,621
Multi-Family
3
Businesses
22
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
Single Family
Built in 1963
1.87 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95033, Los Gatos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 4,003 (100%) |
| Owner Occupied HU | 2,963 (74.0%) |
| Renter Occupied HU | 689 (17.2%) |
| Vacant Housing Units | 351 ( 8.8%) |
| Median Home Value | $1,687,255 |
| Average Home Value | $1,655,553 |
Housing Distribution
Address Breakdown
Residential
3,624
Single Family
3,621
Multi-Family
3
Businesses
22
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices