28750 Loma Chiquita RdLos GatosCA95033
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 28750 Loma Chiquita Rd, Los Gatos, CA, 95033 in Los Gatos speaks for itself: 11.27% gross on a $629,000 price, generating $5,905/mo in rent and $2,014/mo in net income after the $2,828/mo debt service. DSCR 2.09, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $24,169 stacks alongside $173,781 in projected five-year appreciation and $5,793/yr in principal reduction. Projected total cumulative return: $368,139.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.3% | 6.0% |
| Monthly Cash Flow | $2,014 | $1,200 |
City averages based on Los Gatos market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,905 |
| Total Monthly Debt Service | $3,641 |
| DSCR Ratio | 1.62x |
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 1976
10 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 1976
10 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
Listed by: Michael Scherer • Cruz Properties
Mls Name: MLSListings Inc
Mls ID: #ML82011515