631 Ofarrell St APT 805San FranciscoCA94109
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash Flow631 Ofarrell St APT 805, San Francisco, CA, 94109 in San Francisco carries a 1.97 coverage ratio, rent of $2,828/mo is 1.97 times the $1,434/mo payment. Rental yield 10.64%. That margin gives both the investor and Ziffy Mortgage's DSCR underwriting a comfortable buffer at a $319,000 acquisition price. No U.S. credit or income documentation required. Five-year appreciation adds $88,134; total projected cumulative return: $114,639.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.6% | 4.5% |
| Monthly Cash Flow | $(167) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,828 |
| Total Monthly Debt Service | $2,869 |
| DSCR Ratio | 0.99x |
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
N/A lot
$N/A/sqft
$700 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
N/A lot
$N/A/sqft
$700 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: N/A • N/A
Mls Name: undefined
Mls ID: #N/A