280 Spear St #2QSan FranciscoCA94105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeAt 1.62, 280 Spear St #2Q, San Francisco, CA, 94105 in San Francisco sits at the top of Ziffy Mortgage's DSCR coverage band, a significant advantage for non-U.S. buyers closing without domestic income documentation. Rental yield 8.75%. The 8.75% yield is backed by 5% annual appreciation projecting $250,587 in value gain, plus $8,354/yr in principal reduction. Total projected cumulative return: $346,027.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 4.5% |
| Monthly Cash Flow | $(38) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,611 |
| Total Monthly Debt Service | $6,288 |
| DSCR Ratio | 1.05x |
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 2020
N/A lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94105, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,168 (100%) |
| Owner Occupied HU | 3,051 (27.3%) |
| Renter Occupied HU | 6,118 (54.8%) |
| Vacant Housing Units | 1,999 (17.9%) |
| Median Home Value | $1,594,888 |
| Average Home Value | $1,588,407 |
Housing Distribution
Address Breakdown
Residential
10,424
Single Family
72
Multi-Family
10,352
Businesses
1,616
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
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94105, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,168 (100%) |
| Owner Occupied HU | 3,051 (27.3%) |
| Renter Occupied HU | 6,118 (54.8%) |
| Vacant Housing Units | 1,999 (17.9%) |
| Median Home Value | $1,594,888 |
| Average Home Value | $1,588,407 |
Housing Distribution
Address Breakdown
Residential
10,424
Single Family
72
Multi-Family
10,352
Businesses
1,616
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: N/A • N/A
Mls Name: undefined
Mls ID: #N/A