318 Spear St UNIT 5HSan FranciscoCA94105








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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


Investment Highlights
Rental property for sale in San Francisco at 318 Spear St UNIT 5H, San Francisco, CA, 94105 generates $4,681/mo in rent, after a $4,674/mo payment. Total monthly income is $4,681/mo. Return on cash invested sits at 9.4% in year one, and rental yield is 5.88% on a $955,000 entry. Equity gained on principal adds $6,162/yr, while 5% annual appreciation builds toward $263,849 over five years. Five-year ROI reaches 48.63% and total cumulative return in cash sums $152,795. For financing, investors can use Ziffy Mortgage’s DSCR loan, which considers $4,681/mo property income rather than buyer’s personal income.
Condo
Built in N/A
N/A lot
$N/A/sqft
$1,202 monthly 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
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Listed by: Craig A Swanson • Compass
Mls Name: BAREIS
Mls Provider:
Mls ID: #425027211
Disclaimer: Listing information deemed reliable but not guaranteed. Copyright 2025 Bay Area Real Estate Information Services, Inc. All Right Reserved.








