348 Edna StSan FranciscoCA94112
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 348 Edna St, San Francisco, CA, 94112 in San Francisco fits: $1,498,000, 3.18% gross yield, and a projected 5% annual appreciation rate adding $413,870 in value within five years. Rental yield 3.18%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.59) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $13,797/yr in principal paydown and $413,870 in appreciation project a total return of $207,264.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 3.2% | 4.5% |
| Monthly Cash Flow | $(5,629) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,975 |
| Total Monthly Debt Service | $9,008 |
| DSCR Ratio | 0.44x |
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 1923
2,495 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94112, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,237 (100%) |
| Owner Occupied HU | 14,094 (58.2%) |
| Renter Occupied HU | 8,905 (36.7%) |
| Vacant Housing Units | 1,238 ( 5.1%) |
| Median Home Value | $1,208,430 |
| Average Home Value | $1,228,041 |
Housing Distribution
Address Breakdown
Residential
21,545
Single Family
18,799
Multi-Family
2,746
Businesses
998
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 1923
2,495 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94112, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,237 (100%) |
| Owner Occupied HU | 14,094 (58.2%) |
| Renter Occupied HU | 8,905 (36.7%) |
| Vacant Housing Units | 1,238 ( 5.1%) |
| Median Home Value | $1,208,430 |
| Average Home Value | $1,228,041 |
Housing Distribution
Address Breakdown
Residential
21,545
Single Family
18,799
Multi-Family
2,746
Businesses
998
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Michelle Kim • Mosaik Real Estate
Mls Name: SFAR
Mls Provider:
Mls ID: #425025746
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.