1 Hawthorne St UNIT 3DSan FranciscoCA94105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe headline number at 1 Hawthorne St UNIT 3D, San Francisco, CA, 94105 in San Francisco is the 1.57 coverage ratio: rent of $5,105/mo versus a $3,260/mo debt payment on a $725,000 property. Rental yield 8.45%. That margin is what gives Ziffy Mortgage's DSCR loan the coverage it needs for a clean, fast approval, no W-2s, no U.S. residency. Appreciation at 5%/yr projects $200,304 by year five, with $6,677/yr in equity from paydown. Total projected cumulative return: $234,723.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.5% | 4.5% |
| Monthly Cash Flow | $(716) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,105 |
| Total Monthly Debt Service | $5,532 |
| DSCR Ratio | 0.92x |
Ziffy Mortgage typically prefers a DSCR of 1.0+, but in some cases you may qualify with a DSCR below 1. To explore if this deal qualifies for an investment mortgage, 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.
Condo
Built in 2010
0.28 Acres lot
$N/A/sqft
$985 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94105, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,168 (100%) |
| Owner Occupied HU | 3,051 (27.3%) |
| Renter Occupied HU | 6,118 (54.8%) |
| Vacant Housing Units | 1,999 (17.9%) |
| Median Home Value | $1,594,888 |
| Average Home Value | $1,588,407 |
Housing Distribution
Address Breakdown
Residential
10,424
Single Family
72
Multi-Family
10,352
Businesses
1,616
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
Condo
Built in 2010
0.28 Acres lot
$N/A/sqft
$985 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94105, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,168 (100%) |
| Owner Occupied HU | 3,051 (27.3%) |
| Renter Occupied HU | 6,118 (54.8%) |
| Vacant Housing Units | 1,999 (17.9%) |
| Median Home Value | $1,594,888 |
| Average Home Value | $1,588,407 |
Housing Distribution
Address Breakdown
Residential
10,424
Single Family
72
Multi-Family
10,352
Businesses
1,616
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices