2177 3rd St #305San FranciscoCA94107
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 2177 3rd St #305, San Francisco, CA, 94107 in San Francisco achieves a 1.53 ratio at $699,000: $4,823/mo rent versus $3,143/mo debt service. Rental yield 8.28%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.28% yield compounds alongside 5% annual appreciation projecting $193,121 in value. Total projected cumulative return: $201,741.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.3% | 4.5% |
| Monthly Cash Flow | $(1,092) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,823 |
| Total Monthly Debt Service | $5,637 |
| DSCR Ratio | 0.86x |
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 2020
N/A lot
$N/A/sqft
$1,062 monthly 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 2020
N/A lot
$N/A/sqft
$1,062 monthly 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