56 Ringold St APT 3San FranciscoCA94103
INVESTMENT ANALYSIS
Investment Verdict
Appreciation Play56 Ringold St APT 3, San Francisco, CA, 94103 in San Francisco is priced for appreciation, not yield. Rental yield 5.61%. At $850,000 with a 5.61% gross yield, the monthly income is modest, but 5% annual price growth is projected to add $234,839 in value over five years, making equity the primary return driver. Ziffy Mortgage's DSCR mortgage (1.04) can still finance this property for non-U.S. residents; a 30–35% down payment typically produces the cleanest underwriting for appreciation-focused assets. Total projected cumulative return: $206,350.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.6% | 4.5% |
| Monthly Cash Flow | $(1,840) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,977 |
| Total Monthly Debt Service | $5,479 |
| DSCR Ratio | 0.73x |
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 2015
1,875 sqft lot
$N/A/sqft
$323 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 2015
1,875 sqft lot
$N/A/sqft
$323 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: Daniel J. Risman-Jones • Ascend Real Estate
Mls Name: SFAR
Mls Provider:
Mls ID: #425005430
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.