7747 Ghirlanda CtGilroyCA95020
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeTight but positive: 7747 Ghirlanda Ct, Gilroy, CA, 95020 in Gilroy at $439,000 earns $3,235/mo in rent and nets $121/mo after the $1,974/mo payment, a 8.84% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $121,288 over five years. Ziffy Mortgage underwrites this on a 1.64 DSCR without U.S. credit history. With $4,043/yr in principal paydown, total projected return reaches $175,980.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 6.0% |
| Monthly Cash Flow | $121 | $500 |
City averages based on Gilroy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,235 |
| Total Monthly Debt Service | $2,940 |
| DSCR Ratio | 1.10x |
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.
Townhouse
Built in 1980
N/A lot
$N/A/sqft
$236 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
Townhouse
Built in 1980
N/A lot
$N/A/sqft
$236 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