Valencia has been, historically, quite a good team, but this season they are struggling. They are the only team in La Liga which has lost the last 5 matches (and a draw in the 6th) so it is understandable that they are in the relegation.
Getafe is out of the danger zone, but only virtually, because they have the same points (22) as Cádiz, in the relegation, and Almería, just above. Anyway, I agree that this last result against Valencia can be decisive at this stage of the league.
It's very disappointing to see Valencia struggling to win matches. This was a them that played in two consecutive UEFA Champions League finals. This is the consequence of selling and not replacing big players and financial crisis. Mayoral 82nd-minute goal was all Gatefe needed to move out of the relegation zone. Valencia had more ball possession but it didn't translate to greater goal scoring chances and goal attempts. Gatefe was better in the attacks and defended better. They deserve the win and should do more to avoid relegation.
You are right that Valencia has got a financial problem. They started this season with a debt of 54M and a deadline to pay in June the 30th (2023) and 16,5M more with a deadline in September last year. So it is logical that they have only spent 13,2M in new players in the last two years and this has clear consequences in their performance.
Although Valencia is not one of my favourite teams (to be honest, it is the contrary) I wouldn't like to see them in 2ª División. Fans don't deserve this fate.