1240 Washington StSan FranciscoCA94108
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 1240 Washington St, San Francisco, CA, 94108 in San Francisco at $1,155,000, 5.59% gross yield, is a market-growth asset. Rental yield 5.59%. The $5,381/mo rent partially funds the $5,194/mo debt service; the core return is the 5%/yr price growth projected to add $319,105 over five years. Ziffy Mortgage's DSCR mortgage (1.04) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $324,432.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 4.5% |
| Monthly Cash Flow | $(3,091) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,381 |
| Total Monthly Debt Service | $6,685 |
| DSCR Ratio | 0.80x |
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 1913
5,813 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94108, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,042 (100%) |
| Owner Occupied HU | 812 ( 9.0%) |
| Renter Occupied HU | 6,840 (75.6%) |
| Vacant Housing Units | 1,390 (15.4%) |
| Median Home Value | $1,633,681 |
| Average Home Value | $1,580,785 |
Housing Distribution
Address Breakdown
Residential
7,620
Single Family
468
Multi-Family
7,152
Businesses
2,257
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 1913
5,813 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94108, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,042 (100%) |
| Owner Occupied HU | 812 ( 9.0%) |
| Renter Occupied HU | 6,840 (75.6%) |
| Vacant Housing Units | 1,390 (15.4%) |
| Median Home Value | $1,633,681 |
| Average Home Value | $1,580,785 |
Housing Distribution
Address Breakdown
Residential
7,620
Single Family
468
Multi-Family
7,152
Businesses
2,257
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SFAR
Mls ID: #426108849