8282 Murray Ave SPC 112GilroyCA95020
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowStrong cash flow defines 8282 Murray Ave SPC 112, Gilroy, CA, 95020 in Gilroy: $4,037/mo in rent, $2,772/mo net, 23.69% gross yield, all on a $204,500 acquisition. The 4.39 coverage ratio comfortably clears Ziffy Mortgage's threshold, enabling foreign-national buyers to close without U.S. credit documentation. Over five years, 5% appreciation adds $56,500 in value, and $1,883/yr in principal paydown steadily builds equity. Projected total cumulative return: $255,900.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 23.7% | 6.0% |
| Monthly Cash Flow | $2,772 | $500 |
City averages based on Gilroy market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,037 |
| Total Monthly Debt Service | $1,184 |
| DSCR Ratio | 3.41x |
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 1989
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 1989
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