863 Haight St APT 5San FranciscoCA94117
INVESTMENT ANALYSIS
Investment Verdict
Steady Equity BuilderThe cash-flow margin at 863 Haight St APT 5, San Francisco, CA, 94117 in San Francisco is narrow, $64/mo net on $3,126/mo rent after the $2,226/mo debt service, but the property operates at break-even-plus, not a loss. At $495,000 with a 7.58% yield, the long-run equity case via 5% appreciation ($136,759 over five years) and $4,559/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.40 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $191,801.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 7.6% | 4.5% |
| Monthly Cash Flow | $64 | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $3,126 |
| Total Monthly Debt Service | $2,865 |
| DSCR Ratio | 1.09x |
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 1900
4,068 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94117, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,748 (100%) |
| Owner Occupied HU | 5,231 (26.5%) |
| Renter Occupied HU | 13,020 (65.9%) |
| Vacant Housing Units | 1,497 ( 7.6%) |
| Median Home Value | $1,699,396 |
| Average Home Value | $1,624,197 |
Housing Distribution
Address Breakdown
Residential
18,772
Single Family
8,176
Multi-Family
10,596
Businesses
909
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 1900
4,068 sqft lot
$N/A/sqft
No HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94117, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 19,748 (100%) |
| Owner Occupied HU | 5,231 (26.5%) |
| Renter Occupied HU | 13,020 (65.9%) |
| Vacant Housing Units | 1,497 ( 7.6%) |
| Median Home Value | $1,699,396 |
| Average Home Value | $1,624,197 |
Housing Distribution
Address Breakdown
Residential
18,772
Single Family
8,176
Multi-Family
10,596
Businesses
909
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Listed by: Robert Lane Gibson • Vanguard Properties
Mls Name: SFAR
Mls ID: #425065021