745 Clementina St #ASan FranciscoCA94103
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayNot all U.S. investment properties are valued for current income. 745 Clementina St #A, San Francisco, CA, 94103 in San Francisco at $1,250,000, 5.34% gross yield, is a market-growth asset. Rental yield 5.34%. The $5,560/mo rent partially funds the $5,621/mo debt service; the core return is the 5%/yr price growth projected to add $345,352 over five years. Ziffy Mortgage's DSCR mortgage (0.99) provides financing for foreign nationals without domestic income checks. A 30–35% down payment often produces the cleanest coverage for low-yield properties. Total five-year return: $294,367.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 5.3% | 4.5% |
| Monthly Cash Flow | $(2,836) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,560 |
| Total Monthly Debt Service | $7,898 |
| DSCR Ratio | 0.70x |
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 2001
1,905 sqft lot
$N/A/sqft
$300 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 2001
1,905 sqft lot
$N/A/sqft
$300 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: Cindy Manning • Compass
Mls Name: SFAR
Mls Provider:
Mls ID: #425052114
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.