1238 Sutter St #603San FranciscoCA94109
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 1238 Sutter St #603, San Francisco, CA, 94109 in San Francisco achieves a 1.80 ratio at $405,900: $3,284/mo rent versus $1,825/mo debt service. Rental yield 9.71%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 9.71% yield compounds alongside 5% annual appreciation projecting $112,143 in value. Total projected cumulative return: $147,447.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 9.7% | 4.5% |
| Monthly Cash Flow | $(164) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,284 |
| Total Monthly Debt Service | $3,287 |
| DSCR Ratio | 1.00x |
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 2018
4,830 sqft lot
$N/A/sqft
$542 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94109, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 37,315 (100%) |
| Owner Occupied HU | 5,024 (13.5%) |
| Renter Occupied HU | 27,401 (73.4%) |
| Vacant Housing Units | 4,890 (13.1%) |
| Median Home Value | $1,405,903 |
| Average Home Value | $1,454,398 |
Housing Distribution
Address Breakdown
Residential
35,916
Single Family
3,046
Multi-Family
32,870
Businesses
1,940
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 2018
4,830 sqft lot
$N/A/sqft
$542 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94109, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 37,315 (100%) |
| Owner Occupied HU | 5,024 (13.5%) |
| Renter Occupied HU | 27,401 (73.4%) |
| Vacant Housing Units | 4,890 (13.1%) |
| Median Home Value | $1,405,903 |
| Average Home Value | $1,454,398 |
Housing Distribution
Address Breakdown
Residential
35,916
Single Family
3,046
Multi-Family
32,870
Businesses
1,940
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices