160-162 28th StSan FranciscoCA94131
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderInvestors who value predictability will appreciate 160-162 28th St, San Francisco, CA, 94131 in San Francisco. At $1,495,000 it earns $9,521/mo in rent and distributes $272/mo to the owner after the $6,722/mo payment, a consistent 7.64% yield. DSCR 1.42 clears Ziffy Mortgage's income-only underwriting standard. Over five years, 5% annual appreciation adds $413,041 in value; $13,769/yr in principal paydown compounds ownership stake. Total projected return: $584,411.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 4.5% |
| Monthly Cash Flow | $272 | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $9,521 |
| Total Monthly Debt Service | $8,654 |
| DSCR Ratio | 1.10x |
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 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Multi Family
Built in 1908
2,848 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94131, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,705 (100%) |
| Owner Occupied HU | 6,945 (50.7%) |
| Renter Occupied HU | 5,806 (42.4%) |
| Vacant Housing Units | 954 ( 7.0%) |
| Median Home Value | $1,678,053 |
| Average Home Value | $1,615,350 |
Housing Distribution
Address Breakdown
Residential
13,447
Single Family
8,740
Multi-Family
4,707
Businesses
412
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
Multi Family
Built in 1908
2,848 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94131, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,705 (100%) |
| Owner Occupied HU | 6,945 (50.7%) |
| Renter Occupied HU | 5,806 (42.4%) |
| Vacant Housing Units | 954 ( 7.0%) |
| Median Home Value | $1,678,053 |
| Average Home Value | $1,615,350 |
Housing Distribution
Address Breakdown
Residential
13,447
Single Family
8,740
Multi-Family
4,707
Businesses
412
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices