355 1st St UNIT S301San FranciscoCA94105
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowSolid, durable, and financeable, 355 1st St UNIT S301, San Francisco, CA, 94105 in San Francisco earns a 11.15% gross yield at $638,000. Rent of $5,928/mo nets $487/mo after the $2,869/mo mortgage. The 2.07 DSCR signals clean DSCR underwriting through Ziffy Mortgage, with no personal income verification required. Five-year value growth of $176,268 and $5,876/yr in equity accumulation project a total cumulative return of $279,739.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 11.2% | 4.5% |
| Monthly Cash Flow | $487 | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,928 |
| Total Monthly Debt Service | $5,187 |
| DSCR Ratio | 1.14x |
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 2004
0.89 Acres lot
$N/A/sqft
$1,007 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 2004
0.89 Acres lot
$N/A/sqft
$1,007 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