860 N Point StSan FranciscoCA94109
INVESTMENT ANALYSIS
Investment Verdict
Appreciation PlayAt a 3.99% gross rental yield, 860 N Point St, San Francisco, CA, 94109 in San Francisco is priced for capital growth, not immediate cash flow. The $1,699,000 purchase reflects market confidence in future value: at 5%/yr, the property is forecast to gain $469,402 by year five, with $15,648/yr in additional equity from loan paydown. Ziffy Mortgage's DSCR mortgage (0.74) qualifies for non-U.S. residents without personal income documents. Total five-year projected cumulative return: $264,771.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 4% | 4.5% |
| Monthly Cash Flow | $(5,971) | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $5,649 |
| Total Monthly Debt Service | $10,944 |
| DSCR Ratio | 0.52x |
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 1907
4,146 sqft lot
$N/A/sqft
$474 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 1907
4,146 sqft lot
$N/A/sqft
$474 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: Sundeep N. Ambati • Ambati Properties
Mls Name: SFAR
Mls Provider:
Mls ID: #425018524
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.