946 Stockton St APT 18CSan FranciscoCA94108
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowIf cash-on-cash performance is your primary filter, 946 Stockton St APT 18C, San Francisco, CA, 94108 in San Francisco deserves attention. This $535,000 property earns $6,077/mo in rent, a 13.63% gross yield, and nets $1,284/mo after the $2,406/mo payment. DSCR 2.53 makes it one of the cleaner DSCR underwriting candidates Ziffy Mortgage sees in this market. Five-year appreciation of $147,811 compounds alongside $4,927/yr in yearly equity build, for a total cumulative return of $291,936.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 13.6% | 4.5% |
| Monthly Cash Flow | $1,284 | $2,800 |
City averages based on San Francisco market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $6,077 |
| Total Monthly Debt Service | $4,580 |
| DSCR Ratio | 1.33x |
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 1970
N/A lot
$N/A/sqft
$1,323 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94108, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,042 (100%) |
| Owner Occupied HU | 812 ( 9.0%) |
| Renter Occupied HU | 6,840 (75.6%) |
| Vacant Housing Units | 1,390 (15.4%) |
| Median Home Value | $1,633,681 |
| Average Home Value | $1,580,785 |
Housing Distribution
Address Breakdown
Residential
7,620
Single Family
468
Multi-Family
7,152
Businesses
2,257
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 1970
N/A lot
$N/A/sqft
$1,323 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 94108, San Francisco, CA area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 9,042 (100%) |
| Owner Occupied HU | 812 ( 9.0%) |
| Renter Occupied HU | 6,840 (75.6%) |
| Vacant Housing Units | 1,390 (15.4%) |
| Median Home Value | $1,633,681 |
| Average Home Value | $1,580,785 |
Housing Distribution
Address Breakdown
Residential
7,620
Single Family
468
Multi-Family
7,152
Businesses
2,257
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices