440 Kennedy CtGilroyCA95020
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe income profile at 440 Kennedy Ct, Gilroy, CA, 95020 in Gilroy is straightforward: $849,000 in, $6,270/mo in rent, $1,018/mo out after debt service. The 8.86% gross yield and 1.64 DSCR make this exactly the kind of asset Ziffy Mortgage finances for non-U.S. residents without income documentation. Appreciation at 5%/yr adds $234,563 by year five. With $7,819/yr in principal equity, the total cumulative return is projected at $387,425.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.9% | 6.0% |
| Monthly Cash Flow | $1,018 | $500 |
City averages based on Gilroy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,270 |
| Total Monthly Debt Service | $4,914 |
| DSCR Ratio | 1.28x |
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 1971
6,098 sqft lot
$N/A/sqft
No 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
Single Family
Built in 1971
6,098 sqft lot
$N/A/sqft
No 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