450 Hayes St #4DSan FranciscoCA94102
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 450 Hayes St #4D, San Francisco, CA, 94102 in San Francisco fits: $1,601,000, 4.22% gross yield, and a projected 5% annual appreciation rate adding $442,327 in value within five years. Rental yield 4.22%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.78) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $14,745/yr in principal paydown and $442,327 in appreciation project a total return of $209,851.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.2% | 4.5% |
| Monthly Cash Flow | $(6,311) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,635 |
| Total Monthly Debt Service | $11,309 |
| DSCR Ratio | 0.50x |
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.
Condo
Built in 2016
0.40 Acres lot
$N/A/sqft
$1,020 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94102, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,378 (100%) |
| Owner Occupied HU | 1,761 ( 7.2%) |
| Renter Occupied HU | 19,597 (80.4%) |
| Vacant Housing Units | 3,020 (12.4%) |
| Median Home Value | $1,202,929 |
| Average Home Value | $1,266,348 |
Housing Distribution
Address Breakdown
Residential
19,959
Single Family
1,721
Multi-Family
18,238
Businesses
2,527
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 2016
0.40 Acres lot
$N/A/sqft
$1,020 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94102, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,378 (100%) |
| Owner Occupied HU | 1,761 ( 7.2%) |
| Renter Occupied HU | 19,597 (80.4%) |
| Vacant Housing Units | 3,020 (12.4%) |
| Median Home Value | $1,202,929 |
| Average Home Value | $1,266,348 |
Housing Distribution
Address Breakdown
Residential
19,959
Single Family
1,721
Multi-Family
18,238
Businesses
2,527
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Wendy M. Storch • Sotheby's International Realty
Mls Name: SFAR
Mls Provider:
Mls ID: #425063642
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.