346 1st St APT 308San FranciscoCA94105
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeWhen a property's DSCR clears 1.5x, lenders and investors both pay attention. 346 1st St APT 308, San Francisco, CA, 94105 in San Francisco achieves a 1.62 ratio at $1,105,000: $8,074/mo rent versus $4,969/mo debt service. Rental yield 8.77%. Ziffy Mortgage's no-W2 DSCR loan is purpose-built for assets like this. The 8.77% yield compounds alongside 5% annual appreciation projecting $305,291 in value. Total projected cumulative return: $408,957.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.8% | 4.5% |
| Monthly Cash Flow | $(257) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,074 |
| Total Monthly Debt Service | $7,891 |
| DSCR Ratio | 1.02x |
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 1996
9,938 sqft lot
$N/A/sqft
$1,272 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
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 1996
9,938 sqft lot
$N/A/sqft
$1,272 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
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Justin Goldberg • Compass
Mls Name: SFAR
Mls Provider:
Mls ID: #425073287
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.