542 Natoma St #1San FranciscoCA94103
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayMarkets with strong demand fundamentals often produce low-yield, high-appreciation assets. 542 Natoma St #1, San Francisco, CA, 94103 in San Francisco fits: $1,995,000, 4.6% gross yield, and a projected 5% annual appreciation rate adding $551,182 in value within five years. Rental yield 4.6%. The narrow rent-to-debt spread is the trade-off for market growth. Ziffy Mortgage's DSCR loan (0.85) finances non-U.S. buyers without personal income documentation; optimise coverage with a 30–35% down payment. $18,374/yr in principal paydown and $551,182 in appreciation project a total return of $331,994.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4.6% | 4.5% |
| Monthly Cash Flow | $(6,734) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $7,651 |
| Total Monthly Debt Service | $13,591 |
| DSCR Ratio | 0.56x |
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 2001
2,618 sqft lot
$N/A/sqft
$649 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94103, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,565 (100%) |
| Owner Occupied HU | 2,938 (12.5%) |
| Renter Occupied HU | 17,788 (75.5%) |
| Vacant Housing Units | 2,839 (12.0%) |
| Median Home Value | $1,169,730 |
| Average Home Value | $1,246,390 |
Housing Distribution
Address Breakdown
Residential
20,069
Single Family
1,933
Multi-Family
18,136
Businesses
3,435
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 2001
2,618 sqft lot
$N/A/sqft
$649 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94103, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 23,565 (100%) |
| Owner Occupied HU | 2,938 (12.5%) |
| Renter Occupied HU | 17,788 (75.5%) |
| Vacant Housing Units | 2,839 (12.0%) |
| Median Home Value | $1,169,730 |
| Average Home Value | $1,246,390 |
Housing Distribution
Address Breakdown
Residential
20,069
Single Family
1,933
Multi-Family
18,136
Businesses
3,435
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Justin Goldberg • Compass
Mls Name: SFAR
Mls Provider:
Mls ID: #425028868
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.