150 Montcalm StSan FranciscoCA94110
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderTight but positive: 150 Montcalm St, San Francisco, CA, 94110 in San Francisco at $995,000 earns $6,205/mo in rent and nets $50/mo after the $4,717/mo payment, a 7.48% yield with limited short-term income headroom. The equity story offsets the thin monthly spread: 5% annual appreciation adds $274,900 over five years. Ziffy Mortgage underwrites this on a 1.32 DSCR without U.S. credit history. With $8,341/yr in principal paydown, total projected return reaches $361,746.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.5% | 4.5% |
| Monthly Cash Flow | $50 | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Rental Loan Qualification
Qualifies using the property's rental income, not your personal income.
- ✓No W-2, pay stubs, or tax returns needed
- ✓Rental income qualifies you
- ✓Built for real estate investors
| Monthly Rental Income | $6,205 |
| Total Monthly Debt Service | $6,002 |
| DSCR Ratio | 1.03x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.5% rate / 30-yr fixed, 25% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1900
3,149 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94110, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 30,019 (100%) |
| Owner Occupied HU | 9,614 (32.0%) |
| Renter Occupied HU | 17,928 (59.7%) |
| Vacant Housing Units | 2,477 ( 8.3%) |
| Median Home Value | $1,538,687 |
| Average Home Value | $1,543,290 |
Housing Distribution
Address Breakdown
Residential
28,967
Single Family
15,739
Multi-Family
13,228
Businesses
2,630
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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: SFAR
Mls Provider:
Mls ID: #426165347
