450 Hayes St UNIT 3HSan FranciscoCA94102
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe yield at 450 Hayes St UNIT 3H, San Francisco, CA, 94102 in San Francisco speaks for itself: 15.59% gross on a $323,119 price, generating $4,198/mo in rent and $2,199/mo in net income after the $1,453/mo debt service. DSCR 2.89, a wide margin that supports Ziffy Mortgage's DSCR loan without any personal income check. Annual cash flow of $26,385 stacks alongside $89,272 in projected five-year appreciation and $2,976/yr in principal reduction. Projected total cumulative return: $264,036.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 15.6% | 4.5% |
| Monthly Cash Flow | $2,199 | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,198 |
| Total Monthly Debt Service | $1,870 |
| DSCR Ratio | 2.24x |
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 2016
0.40 Acres lot
$N/A/sqft
No 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
No 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: Robert Belli • Compass
Mls Name: SFAR
Mls ID: #425046939