631 Ofarrell St APT 1216San FranciscoCA94109
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowHigh DSCR is a competitive advantage at closing. 631 Ofarrell St APT 1216, San Francisco, CA, 94109 in San Francisco achieves 1.90, rent of $2,858/mo covers the $1,506/mo payment 1.5x over at $335,000. Rental yield 10.24%. 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 $92,554 over five years, with $3,085/yr in principal reduction bringing total projected return to $92,569.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.2% | 4.5% |
| Monthly Cash Flow | $(631) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,858 |
| Total Monthly Debt Service | $3,357 |
| DSCR Ratio | 0.85x |
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 1930
0.42 Acres lot
$N/A/sqft
$1,008 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94109, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 37,315 (100%) |
| Owner Occupied HU | 5,024 (13.5%) |
| Renter Occupied HU | 27,401 (73.4%) |
| Vacant Housing Units | 4,890 (13.1%) |
| Median Home Value | $1,405,903 |
| Average Home Value | $1,454,398 |
Housing Distribution
Address Breakdown
Residential
35,916
Single Family
3,046
Multi-Family
32,870
Businesses
1,940
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 1930
0.42 Acres lot
$N/A/sqft
$1,008 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94109, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 37,315 (100%) |
| Owner Occupied HU | 5,024 (13.5%) |
| Renter Occupied HU | 27,401 (73.4%) |
| Vacant Housing Units | 4,890 (13.1%) |
| Median Home Value | $1,405,903 |
| Average Home Value | $1,454,398 |
Housing Distribution
Address Breakdown
Residential
35,916
Single Family
3,046
Multi-Family
32,870
Businesses
1,940
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Dan McLean • Coldwell Banker Realty
Mls Name: SFAR
Mls Provider:
Mls ID: #425058148
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.