3055 Clay St #ASan FranciscoCA94115
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3055 Clay St #A, San Francisco, CA, 94115 in San Francisco worth study. Rental yield 5.2%. The 5.2% gross yield is below cash-flow benchmarks at $585,000, but 5% annual appreciation, adding $161,625 over five years, frames this as a capital growth position. Rent of $2,536/mo partially offsets the $2,631/mo payment. Ziffy Mortgage finances appreciation-play properties (0.96 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $143,919.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.2% | 4.5% |
| Monthly Cash Flow | $(1,220) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,536 |
| Total Monthly Debt Service | $3,523 |
| DSCR Ratio | 0.72x |
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 N/A
3,789 sqft lot
$N/A/sqft
$137 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94115, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,861 (100%) |
| Owner Occupied HU | 4,394 (23.3%) |
| Renter Occupied HU | 12,724 (67.5%) |
| Vacant Housing Units | 1,743 ( 9.2%) |
| Median Home Value | $1,706,442 |
| Average Home Value | $1,586,196 |
Housing Distribution
Address Breakdown
Residential
19,113
Single Family
5,146
Multi-Family
13,967
Businesses
1,425
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 N/A
3,789 sqft lot
$N/A/sqft
$137 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94115, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 18,861 (100%) |
| Owner Occupied HU | 4,394 (23.3%) |
| Renter Occupied HU | 12,724 (67.5%) |
| Vacant Housing Units | 1,743 ( 9.2%) |
| Median Home Value | $1,706,442 |
| Average Home Value | $1,586,196 |
Housing Distribution
Address Breakdown
Residential
19,113
Single Family
5,146
Multi-Family
13,967
Businesses
1,425
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: David R. Papale • Compass
Mls Name: SFAR
Mls Provider:
Mls ID: #425020682
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.