238 Olive St APT 302San FranciscoCA94109
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeSolid fundamentals define the investment case at 238 Olive St APT 302, San Francisco, CA, 94109 in San Francisco: $7,177/mo in rent, $1,053/mo in net income, 8.7% gross yield, 1.61 DSCR, all at $990,000. Ziffy Mortgage's DSCR mortgage qualifies using the property's income alone, clearing approval without U.S. residency or credit. Five-year equity from $273,519 in appreciation and $9,118/yr in principal paydown projects total cumulative return of $443,122.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.7% | 4.5% |
| Monthly Cash Flow | $1,053 | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,177 |
| Total Monthly Debt Service | $5,730 |
| DSCR Ratio | 1.25x |
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.
Condo
Built in 2010
3,330 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94109, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 37,315 (100%) |
| Owner Occupied HU | 5,024 (13.5%) |
| Renter Occupied HU | 27,401 (73.4%) |
| Vacant Housing Units | 4,890 (13.1%) |
| Median Home Value | $1,405,903 |
| Average Home Value | $1,454,398 |
Housing Distribution
Address Breakdown
Residential
35,916
Single Family
3,046
Multi-Family
32,870
Businesses
1,940
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 2010
3,330 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94109, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 37,315 (100%) |
| Owner Occupied HU | 5,024 (13.5%) |
| Renter Occupied HU | 27,401 (73.4%) |
| Vacant Housing Units | 4,890 (13.1%) |
| Median Home Value | $1,405,903 |
| Average Home Value | $1,454,398 |
Housing Distribution
Address Breakdown
Residential
35,916
Single Family
3,046
Multi-Family
32,870
Businesses
1,940
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Cheryl L. Villanueva • Compass
Mls Name: SFAR
Mls ID: #425087045