3818-3820 26th StSan FranciscoCA94131
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayGlobal investors willing to prioritise equity over near-term yield will find 3818-3820 26th St, San Francisco, CA, 94131 in San Francisco worth study. Rental yield 4.06%. The 4.06% gross yield is below cash-flow benchmarks at $1,999,000, but 5% annual appreciation, adding $552,287 over five years, frames this as a capital growth position. Rent of $6,758/mo partially offsets the $8,989/mo payment. Ziffy Mortgage finances appreciation-play properties (0.75 DSCR) for non-U.S. residents without domestic income documentation; a 30–35% down payment maximises coverage. Total projected return: $353,299.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.1% | 4.5% |
| Monthly Cash Flow | $(6,337) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,758 |
| Total Monthly Debt Service | $12,300 |
| DSCR Ratio | 0.55x |
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.
Multi Family
Built in 1910
1,973 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94131, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,705 (100%) |
| Owner Occupied HU | 6,945 (50.7%) |
| Renter Occupied HU | 5,806 (42.4%) |
| Vacant Housing Units | 954 ( 7.0%) |
| Median Home Value | $1,678,053 |
| Average Home Value | $1,615,350 |
Housing Distribution
Address Breakdown
Residential
13,447
Single Family
8,740
Multi-Family
4,707
Businesses
412
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
Multi Family
Built in 1910
1,973 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94131, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 13,705 (100%) |
| Owner Occupied HU | 6,945 (50.7%) |
| Renter Occupied HU | 5,806 (42.4%) |
| Vacant Housing Units | 954 ( 7.0%) |
| Median Home Value | $1,678,053 |
| Average Home Value | $1,615,350 |
Housing Distribution
Address Breakdown
Residential
13,447
Single Family
8,740
Multi-Family
4,707
Businesses
412
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices