454 Bright StSan FranciscoCA94132
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThis San Francisco rental at 454 Bright St, San Francisco, CA, 94132 sits in the solid-income band: 8.62% gross yield, $2,874/mo rent, $400/mo net after the $1,798/mo debt service, DSCR 1.60. Entry price of $399,888 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 $110,482 and $3,683/yr in principal reduction bring total cumulative return to $177,417.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.6% | 4.5% |
| Monthly Cash Flow | $400 | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,874 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.24x |
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.
Single Family
Built in 1910
2,474 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94132, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,825 (100%) |
| Owner Occupied HU | 4,306 (36.4%) |
| Renter Occupied HU | 6,117 (51.7%) |
| Vacant Housing Units | 1,402 (11.9%) |
| Median Home Value | $1,373,253 |
| Average Home Value | $1,404,283 |
Housing Distribution
Address Breakdown
Residential
10,569
Single Family
6,814
Multi-Family
3,755
Businesses
494
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 1910
2,474 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94132, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 11,825 (100%) |
| Owner Occupied HU | 4,306 (36.4%) |
| Renter Occupied HU | 6,117 (51.7%) |
| Vacant Housing Units | 1,402 (11.9%) |
| Median Home Value | $1,373,253 |
| Average Home Value | $1,404,283 |
Housing Distribution
Address Breakdown
Residential
10,569
Single Family
6,814
Multi-Family
3,755
Businesses
494
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Samantha Huang • NEXTGEN Properties
Mls Name: SFAR
Mls Provider:
Mls ID: #425019712
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.