1360 Montgomery St APT 1San FranciscoCA94133
INVESTMENT ANALYSIS
Investment Verdict
Income-Producing1360 Montgomery St APT 1, San Francisco, CA, 94133 in San Francisco is a stable, well-positioned rental at $799,000. Rental yield 6.08%. DSCR 1.13 qualifies for Ziffy Mortgage's DSCR mortgage without U.S. income documentation. Over five years, 5% appreciation adds $220,749 in value and $7,359/yr in principal paydown builds equity, a total projected return of $164,319.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 6.1% | 4.5% |
| Monthly Cash Flow | $(2,246) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,051 |
| Total Monthly Debt Service | $5,980 |
| DSCR Ratio | 0.68x |
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 1936
5,246 sqft lot
$N/A/sqft
$984 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94133, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,103 (100%) |
| Owner Occupied HU | 2,239 (14.8%) |
| Renter Occupied HU | 10,758 (71.2%) |
| Vacant Housing Units | 2,106 (13.9%) |
| Median Home Value | $1,689,785 |
| Average Home Value | $1,601,939 |
Housing Distribution
Address Breakdown
Residential
12,877
Single Family
3,768
Multi-Family
9,109
Businesses
1,728
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 1936
5,246 sqft lot
$N/A/sqft
$984 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94133, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 15,103 (100%) |
| Owner Occupied HU | 2,239 (14.8%) |
| Renter Occupied HU | 10,758 (71.2%) |
| Vacant Housing Units | 2,106 (13.9%) |
| Median Home Value | $1,689,785 |
| Average Home Value | $1,601,939 |
Housing Distribution
Address Breakdown
Residential
12,877
Single Family
3,768
Multi-Family
9,109
Businesses
1,728
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices