555 4th St UNIT 438San FranciscoCA94107
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeHigh DSCR is a competitive advantage at closing. 555 4th St UNIT 438, San Francisco, CA, 94107 in San Francisco achieves 1.51, rent of $4,256/mo covers the $2,810/mo payment 1.5x over at $625,000. Rental yield 8.17%. That makes it both an efficient operational hold and a straightforward underwrite for Ziffy Mortgage's DSCR program. No domestic credit history or income documentation required. Appreciation at 5%/yr adds $172,676 over five years, with $5,756/yr in principal reduction bringing total projected return to $193,210.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.2% | 4.5% |
| Monthly Cash Flow | $(758) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $4,256 |
| Total Monthly Debt Service | $4,766 |
| DSCR Ratio | 0.89x |
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 N/A
1.45 Acres lot
$N/A/sqft
$731 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94107, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,203 (100%) |
| Owner Occupied HU | 6,092 (30.2%) |
| Renter Occupied HU | 11,845 (58.6%) |
| Vacant Housing Units | 2,266 (11.2%) |
| Median Home Value | $1,350,357 |
| Average Home Value | $1,400,728 |
Housing Distribution
Address Breakdown
Residential
17,811
Single Family
4,303
Multi-Family
13,508
Businesses
2,373
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 N/A
1.45 Acres lot
$N/A/sqft
$731 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94107, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 20,203 (100%) |
| Owner Occupied HU | 6,092 (30.2%) |
| Renter Occupied HU | 11,845 (58.6%) |
| Vacant Housing Units | 2,266 (11.2%) |
| Median Home Value | $1,350,357 |
| Average Home Value | $1,400,728 |
Housing Distribution
Address Breakdown
Residential
17,811
Single Family
4,303
Multi-Family
13,508
Businesses
2,373
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Kirk M. Dahle • Vanguard Properties
Mls Name: SFAR
Mls Provider:
Mls ID: #425039256
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.