Investment Property Details
Los Gatos, Santa Clara County median: $2,600,000
Down payment: $650,000 | Loan: $1,950,000
Los Gatos, Santa Clara County median rent: $3,700/mo
Los Gatos, Santa Clara County Market Snapshot
- Conforming Limit
- $1,149,825
- Median Rent
- $3,700/mo
- Avg Property Tax Rate
- 1.06%
- Est. Annual Tax
- $27,560
Your DSCR Ratio
0.24
Below break-even — rent does not cover PITIA
Monthly Rent
$3,700
Monthly PITIA
$15,620
Required Rent by DSCR Threshold
Required Rent
$15,620/mo
vs Your Rent
-$11,920
Required Rent
$19,525/mo
vs Your Rent
-$15,825
Los Gatos, Santa Clara County Median Rent Comparison
The median rent in Los Gatos, Santa Clara County, California is $3,700/mo.
Your Rent vs Median
+$0
DSCR at Median Rent
0.24
Calculations are estimates for educational purposes only. Actual DSCR requirements 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.
Frequently Asked Questions
What DSCR ratio 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.
What is the median rent in Los Gatos for 2026?
The 2026 median rent in Los Gatos, Santa Clara County is $3,700 per month. This is used by appraisers and DSCR lenders when underwriting investment property loans. Actual rents vary by property type, bedrooms, condition, and exact location.
What property tax rate applies to investment properties 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's approximately $27,560 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
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