115 Encline CtSan FranciscoCA94127
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 115 Encline Ct, San Francisco, CA, 94127 in San Francisco worth study. Rental yield 4.9%. The 4.9% gross yield is below cash-flow benchmarks at $1,595,000, but 5% annual appreciation, adding $440,669 over five years, frames this as a capital growth position. Rent of $6,514/mo partially offsets the $7,172/mo payment. Ziffy Mortgage finances appreciation-play properties (0.91 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $345,868.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.9% | 4.5% |
| Monthly Cash Flow | $(4,072) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,514 |
| Total Monthly Debt Service | $9,951 |
| DSCR Ratio | 0.65x |
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.
Single Family
Built in 1938
2,883 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94127, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,182 (100%) |
| Owner Occupied HU | 5,656 (78.8%) |
| Renter Occupied HU | 1,172 (16.3%) |
| Vacant Housing Units | 354 ( 4.9%) |
| Median Home Value | $1,798,032 |
| Average Home Value | $1,734,685 |
Housing Distribution
Address Breakdown
Residential
7,543
Single Family
7,029
Multi-Family
514
Businesses
525
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
Single Family
Built in 1938
2,883 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94127, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 7,182 (100%) |
| Owner Occupied HU | 5,656 (78.8%) |
| Renter Occupied HU | 1,172 (16.3%) |
| Vacant Housing Units | 354 ( 4.9%) |
| Median Home Value | $1,798,032 |
| Average Home Value | $1,734,685 |
Housing Distribution
Address Breakdown
Residential
7,543
Single Family
7,029
Multi-Family
514
Businesses
525
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Andrew Herrera II • Berkshire Hathaway-Franciscan
Mls Name: SFAR
Mls Provider:
Mls ID: #425046015
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.