Gross rental yield
0.00%
Annual rent ÷ purchase price
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San Francisco Rental Property Cash Flow Calculator
San Francisco has premium rents and exceptionally high acquisition costs. Lower taxes help, but investors should underwrite cash flow conservatively.
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Investment snapshot
Your estimated returns
Net rental yield
0.00%
After tax, insurance & HOA
Cap rate
0.00%
Net operating income ÷ price
Estimated mortgage payment
$0
Monthly principal and interest
Net operating income
$0
Annual income before debt service
Cash-on-cash return
0.00%
Annual cash flow ÷ cash invested
DSCR
0.00×
NOI ÷ annual debt service
Break-even occupancy
0.00%
Occupancy needed to cover costs
Total cash invested
$0
Down payment, closing and repairs
Monthly net cash flow
+$0
After vacancy, operating costs, reserves and mortgage debt service.
Annual cash flow$0
Annual operating expenses$0
Planning estimate only. Verify actual taxes, insurance, financing, rents, vacancy and property condition before making an investment decision.
Local investor guide
How to read this San Francisco, CA rental estimate
Debt changes the answer dramatically. Test several down-payment and interest-rate combinations instead of evaluating one optimistic scenario. A deal that only works at today's best rate is not yet resilient.
For the benchmark assumptions on this page, San Francisco, CA has a purchase price of $1,300,000 and monthly rent of $4,300. That is approximately a 3.97% gross rental yield before expenses. The 0.75% tax assumption represents roughly $9,750 per year before insurance, HOA, maintenance, vacancy, management, and financing. Treat these numbers as a starting point, not a valuation.
California investors should account for insurance availability, local rental rules, earthquake or wildfire exposure where relevant, and the effect of high prices on leverage. Get an insurance quote and the current tax record for the specific address. If the property is financed, include closing costs, lender escrows, reserves, and required repairs in your cash invested.
For a deeper explanation of how taxes flow through operating income, read the property-tax guide. Then compare the result with Dallas calculator, Nashville calculator, Indianapolis calculator and revisit the assumptions whenever rent, taxes, or insurance changes.
Before you make an offer
- Run a base case, a higher-expense case, and a lower-rent case.
- Separate recurring operating expenses from one-time renovation costs.
- Read the rental yield vs. cap rate guide before comparing deals.
- Use the cash-flow walkthrough to check vacancy, reserves, and debt service.