8282 Murray Ave #48GilroyCA95020
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 8282 Murray Ave #48, Gilroy, CA, 95020 in Gilroy speaks for itself: 15.84% gross on a $225,000 price, generating $2,970/mo in rent and $1,578/mo in net income after the $1,012/mo debt service. DSCR 2.93, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $18,937 stacks alongside $62,163 in projected five-year appreciation and $2,072/yr in principal reduction. Projected total cumulative return: $186,888.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.8% | 6.0% |
| Monthly Cash Flow | $1,578 | $500 |
City averages based on Gilroy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,970 |
| Total Monthly Debt Service | $1,302 |
| DSCR Ratio | 2.28x |
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.
Manufactured
Built in 1966
N/A 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
Manufactured
Built in 1966
N/A 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: Ben Beveridge • Benjamin Alan Properties
Mls Name: MLSListings Inc
Mls Provider:
Mls ID: #ML82005923
Disclaimer: Based on information from the MLSListings MLS as of 2025-10-17 03:59:18 PDT. All data, including all measurements and calculations of area, is obtained from various sources and has not been, and will not be, verified by broker or MLS. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.