638 Hayes StSan FranciscoCA94102
INVESTMENT ANALYSIS
Investment Verdict
Solid IncomeThe cash-flow margin at 638 Hayes St, San Francisco, CA, 94102 in San Francisco is narrow, $107/mo net on $6,688/mo rent after the $4,474/mo debt service, but the property operates at break-even-plus, not a loss. At $995,000 with a 8.07% yield, the long-run equity case via 5% appreciation ($274,900 over five years) and $9,164/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.49 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $386,060.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 8.1% | 4.5% |
| Monthly Cash Flow | $107 | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,688 |
| Total Monthly Debt Service | $6,184 |
| DSCR Ratio | 1.08x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, 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 1890
2,021 sqft lot
$N/A/sqft
$425 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94102, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,378 (100%) |
| Owner Occupied HU | 1,761 ( 7.2%) |
| Renter Occupied HU | 19,597 (80.4%) |
| Vacant Housing Units | 3,020 (12.4%) |
| Median Home Value | $1,202,929 |
| Average Home Value | $1,266,348 |
Housing Distribution
Address Breakdown
Residential
19,959
Single Family
1,721
Multi-Family
18,238
Businesses
2,527
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 1890
2,021 sqft lot
$N/A/sqft
$425 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94102, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 24,378 (100%) |
| Owner Occupied HU | 1,761 ( 7.2%) |
| Renter Occupied HU | 19,597 (80.4%) |
| Vacant Housing Units | 3,020 (12.4%) |
| Median Home Value | $1,202,929 |
| Average Home Value | $1,266,348 |
Housing Distribution
Address Breakdown
Residential
19,959
Single Family
1,721
Multi-Family
18,238
Businesses
2,527
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices