1725 20th StSan FranciscoCA94107
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 1725 20th St, San Francisco, CA, 94107 in San Francisco fits: $1,795,000, 4.59% gross yield, and a projected 5% annual appreciation rate adding $495,925 in value within five years. Rental yield 4.59%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.85) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $16,532/yr in principal paydown and $495,925 in appreciation project a total return of $356,331.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 4.5% |
| Monthly Cash Flow | $(5,098) | $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 | $6,871 |
| Total Monthly Debt Service | $11,255 |
| DSCR Ratio | 0.61x |
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 2001
2,426 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94107, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,203 (100%) |
| Owner Occupied HU | 6,092 (30.2%) |
| Renter Occupied HU | 11,845 (58.6%) |
| Vacant Housing Units | 2,266 (11.2%) |
| Median Home Value | $1,350,357 |
| Average Home Value | $1,400,728 |
Housing Distribution
Address Breakdown
Residential
17,811
Single Family
4,303
Multi-Family
13,508
Businesses
2,373
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 2001
2,426 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94107, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,203 (100%) |
| Owner Occupied HU | 6,092 (30.2%) |
| Renter Occupied HU | 11,845 (58.6%) |
| Vacant Housing Units | 2,266 (11.2%) |
| Median Home Value | $1,350,357 |
| Average Home Value | $1,400,728 |
Housing Distribution
Address Breakdown
Residential
17,811
Single Family
4,303
Multi-Family
13,508
Businesses
2,373
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jean-Paul Samaha • Vanguard Properties
Mls Name: SFAR
Mls Provider:
Mls ID: #425007392
Disclaimer: IDX information is provided exclusively for personal, non-commercial use, and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Information is deemed reliable but not guaranteed.