19500 Linda Vista AveLos GatosCA95030
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 19500 Linda Vista Ave, Los Gatos, CA, 95030 in Los Gatos worth study. Rental yield 3.59%. The 3.59% gross yield is below cash-flow benchmarks at $1,997,000, but 5% annual appreciation, adding $551,734 over five years, frames this as a capital growth position. Rent of $5,970/mo partially offsets the $8,980/mo payment. Ziffy Mortgage finances appreciation-play properties (0.66 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $346,391.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.6% | 6.0% |
| Monthly Cash Flow | $(6,384) | $1,200 |
City averages based on Los Gatos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,970 |
| Total Monthly Debt Service | $11,559 |
| DSCR Ratio | 0.52x |
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.
Single Family
Built in 1923
9.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95030, Los Gatos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,798 (100%) |
| Owner Occupied HU | 3,700 (63.8%) |
| Renter Occupied HU | 1,565 (27.0%) |
| Vacant Housing Units | 533 ( 9.2%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $2,047,784 |
Housing Distribution
Address Breakdown
Residential
5,451
Single Family
5,037
Multi-Family
414
Businesses
841
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 1923
9.60 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 95030, Los Gatos, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 5,798 (100%) |
| Owner Occupied HU | 3,700 (63.8%) |
| Renter Occupied HU | 1,565 (27.0%) |
| Vacant Housing Units | 533 ( 9.2%) |
| Median Home Value | $2,000,001 |
| Average Home Value | $2,047,784 |
Housing Distribution
Address Breakdown
Residential
5,451
Single Family
5,037
Multi-Family
414
Businesses
841
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices