7942 English Oak CirGilroyCA95020
INVESTMENT ANALYSIS
Investment Verdict
Income-ProducingCapital preservation and steady income define 7942 English Oak Cir, Gilroy, CA, 95020 in Gilroy. Rental yield 6.37%. The 1.18 coverage passes Ziffy Mortgage's DSCR threshold for non-U.S. residents. Five-year appreciation of $227,932 and $7,598/yr in principal reduction project total return of $266,312.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.4% | 6.0% |
| Monthly Cash Flow | $(887) | $500 |
City averages based on Gilroy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,381 |
| Total Monthly Debt Service | $4,775 |
| DSCR Ratio | 0.92x |
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 2007
1,745 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 2007
1,745 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
Listed by: Anita Salas • The Agency
Mls Name: MLSListings Inc
Mls ID: #ML82031555