346 32nd AveSan FranciscoCA94121
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 346 32nd Ave, San Francisco, CA, 94121 in San Francisco fits: $1,975,000, 5.11% gross yield, and a projected 5% annual appreciation rate adding $545,656 in value within five years. Rental yield 5.11%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.95) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $18,190/yr in principal paydown and $545,656 in appreciation project a total return of $504,190.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.1% | 4.5% |
| Monthly Cash Flow | $(3,802) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $8,416 |
| Total Monthly Debt Service | $11,432 |
| DSCR Ratio | 0.74x |
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 1925
3,120 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94121, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,071 (100%) |
| Owner Occupied HU | 7,046 (36.9%) |
| Renter Occupied HU | 10,421 (54.6%) |
| Vacant Housing Units | 1,604 ( 8.4%) |
| Median Home Value | $1,698,578 |
| Average Home Value | $1,653,686 |
Housing Distribution
Address Breakdown
Residential
18,363
Single Family
10,346
Multi-Family
8,017
Businesses
778
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 1925
3,120 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94121, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,071 (100%) |
| Owner Occupied HU | 7,046 (36.9%) |
| Renter Occupied HU | 10,421 (54.6%) |
| Vacant Housing Units | 1,604 ( 8.4%) |
| Median Home Value | $1,698,578 |
| Average Home Value | $1,653,686 |
Housing Distribution
Address Breakdown
Residential
18,363
Single Family
10,346
Multi-Family
8,017
Businesses
778
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Milton Ow • Coldwell Banker Realty
Mls Name: SFAR
Mls ID: #425068660