28 Melrose AveSan FranciscoCA94131
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayInvestors who prioritise long-run asset value over immediate income should consider 28 Melrose Ave, San Francisco, CA, 94131 in San Francisco. Rental yield 4.69%. At $1,360,000 with 4.69% gross yield, current distributions are modest, but the 5% appreciation rate projects $375,743 in new equity by year five, complemented by $12,526/yr in principal paydown. Ziffy Mortgage's DSCR loan (0.87) allows non-U.S. residents to acquire without W-2s or domestic credit. Total projected five-year cumulative return: $316,160.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.7% | 4.5% |
| Monthly Cash Flow | $(3,101) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,312 |
| Total Monthly Debt Service | $7,872 |
| DSCR Ratio | 0.67x |
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.
Single Family
Built in 1943
2,495 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
Single Family
Built in 1943
2,495 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
Listed by: Luba Muzichenko • Vanguard Properties
Mls Name: SFAR
Mls Provider:
Mls ID: #425068845
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.