366 Harvard StSan FranciscoCA94134
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis San Francisco rental at 366 Harvard St, San Francisco, CA, 94134 sits in the solid-income band: 8.1% gross yield, $6,740/mo rent, $567/mo net after the $4,488/mo debt service, DSCR 1.50. Entry price of $998,000 is well-calibrated for the income it produces. Ziffy Mortgage finances this type of asset on rental income alone, no tax returns, no U.S. credit profile. Projected five-year appreciation of $275,729 and $9,192/yr in principal reduction bring total cumulative return to $414,813.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 4.5% |
| Monthly Cash Flow | $567 | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,740 |
| Total Monthly Debt Service | $5,777 |
| DSCR Ratio | 1.17x |
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.
Single Family
Built in 1958
3,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94134, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,683 (100%) |
| Owner Occupied HU | 7,038 (55.5%) |
| Renter Occupied HU | 4,960 (39.1%) |
| Vacant Housing Units | 685 ( 5.4%) |
| Median Home Value | $1,098,467 |
| Average Home Value | $1,114,471 |
Housing Distribution
Address Breakdown
Residential
11,333
Single Family
9,869
Multi-Family
1,464
Businesses
517
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 1958
3,001 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94134, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 12,683 (100%) |
| Owner Occupied HU | 7,038 (55.5%) |
| Renter Occupied HU | 4,960 (39.1%) |
| Vacant Housing Units | 685 ( 5.4%) |
| Median Home Value | $1,098,467 |
| Average Home Value | $1,114,471 |
Housing Distribution
Address Breakdown
Residential
11,333
Single Family
9,869
Multi-Family
1,464
Businesses
517
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Jeff J. Appenrodt • Laurel Realty & Investment
Mls Name: SFAR
Mls ID: #425075107