156 Lombard St APT 25San FranciscoCA94111
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 4.39% gross rental yield, 156 Lombard St APT 25, San Francisco, CA, 94111 in San Francisco is priced for capital growth, not immediate cash flow. The $1,098,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $303,357 by year five, with $10,113/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.81) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $237,759.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.4% | 4.5% |
| Monthly Cash Flow | $(2,775) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,017 |
| Total Monthly Debt Service | $6,356 |
| DSCR Ratio | 0.63x |
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 1975
2.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94111, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,727 (100%) |
| Owner Occupied HU | 808 (21.7%) |
| Renter Occupied HU | 2,329 (62.5%) |
| Vacant Housing Units | 590 (15.8%) |
| Median Home Value | $1,638,112 |
| Average Home Value | $1,614,474 |
Housing Distribution
Address Breakdown
Residential
2,584
Single Family
70
Multi-Family
2,514
Businesses
1,643
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 1975
2.17 Acres lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94111, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 3,727 (100%) |
| Owner Occupied HU | 808 (21.7%) |
| Renter Occupied HU | 2,329 (62.5%) |
| Vacant Housing Units | 590 (15.8%) |
| Median Home Value | $1,638,112 |
| Average Home Value | $1,614,474 |
Housing Distribution
Address Breakdown
Residential
2,584
Single Family
70
Multi-Family
2,514
Businesses
1,643
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Nina Hatvany • Compass
Mls Name: SFAR
Mls ID: #425069108