Property & Loan Details
Santa Clara County median: $2,600,000
Down: $650,000 | Loan: $1,950,000
Rental Income & Expenses
Santa Clara County median rent: $3,700/mo
Lenders apply a 75% haircut to STR income
$2,297/mo(1.06% of purchase price)
Your DSCR Ratio
Below Minimum0.22
Below most lender minimums — let’s explore options to improve your ratio
Monthly Rent
$3,700
Monthly PITIA
$16,890
This loan amount ($1,950,000) exceeds the Santa Clara County conforming limit of $1,149,825 — jumbo DSCR pricing applies.
Interest-only option: Switching to interest-only would improve your DSCR to 0.24
Unlock Your Full DSCR Qualification Report
Get down-payment comparisons, interest-only analysis, cash-on-cash projections, and personalized lender recommendations.
Rates as of 2026-03-01. Calculations are estimates for educational purposes only. Actual DSCR requirements, rates, and terms vary by lender, property type, and loan program. Most DSCR lenders require a minimum ratio of 1.0–1.25. Contact Mo Abdel at (949) 822-9662 for a personalized investment property analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
How do you earn your income?
Frequently Asked Questions
What DSCR do I need for an investment property in Los Gatos, California?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. In Los Gatos, the median rent is $3,700/mo and the median home value is $2,600,000. Use the calculator above to determine if your target property meets lender DSCR requirements with both amortizing and interest-only payment structures.
Can I use interest-only to improve DSCR qualification in Los Gatos?
Yes. An interest-only payment removes the principal portion, lowering your monthly PITIA and boosting your DSCR. In Los Gatos, switching from amortizing to IO typically increases your DSCR by 0.15 to 0.30. The calculator above shows both options side by side so you can compare qualification outcomes.
What property tax rate applies to DSCR calculations in Los Gatos?
The average effective property tax rate in Los Gatos is 1.06%. On an investment property valued at $2,600,000, that is approximately $27,560 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
Ready to Take the Next Step?
Get a personalized quote from Mo Abdel — access 200+ wholesale lenders with one application.