Property overview
71 Santa Marina St, San Francisco, CA 94110
Beats renting and index funds on our cautious numbers, but by too little to survive an ordinary rent shortfall. It passed the math, not our bar.
Bernal Heights · 24th St Mission BART 0.85 mi
Analysis of 2026-08-25 · page updated 2026-10-09
The underwrite
What the $79 underwrite contains
Your underwrite contains the full underwriting
The facts below are public, and so is every source behind them. What a buyer pays for is the answer and the working behind it.
Everything below is public. Your underwrite holds the answer and the working behind it: open it above.
- Our answer at cautious, expected and best-case rents, side by side.
- Every rent we used, and the registry cells it came from.
- Tax reset arithmetic at this ask, with each parcel charge named.
- How far rents can fall before the answer turns over.
- What would change the answer.
- What to demand in writing before you sign.
Delivered within one business day. Every Bay Area 2–4 unit that beats renting and index funds, the week it lists.
Every Bay Area 2–4 unit that beats renting and index funds, the week it lists.
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Verification
What we verified
| Fact | Status | Source |
|---|---|---|
| Two legal units | corroborated | the DataSF secured roll assesses two dwellings on APN 5674006A for the 2025 roll year, the live listing as we verified it on 2026-08-20 carries a Duplex subtype and a units chip of 2, the listing prose describes four rooms up and three rooms down as separate flats, and RH-2 zoning permits exactly two. units-concordance returns corroborated with no conflicts |
| Three bedrooms across the two flats | corroborated | the 2026-08-25 feed row and the live listing (verified 2026-08-20) both carry 3, and the listing prose splits them two upstairs and one down |
| Two full baths | derived | neither the feed nor the live listing carries a bath count; both coerce the field to 0 under the Fix-3d convention. The two comes from the listing prose, one bath up and one bath down, and it is a reconstruction with no field behind it |
| Square footage | unverified | Feed and listing both omit the field, both coerced to 0. The 1,200 carried in the model inputs is a descriptive placeholder brought forward from the 2026-08-18 modeling of this same parcel; no source states it, it reaches no engine input, and it appears nowhere on this page |
| Built 1907 | corroborated | feed, live listing and the city's historic-status record for APN 5674006A all carry 1907 |
| Ask $895,000 | verified | 2026-08-25 feed; the live listing's price agrees exactly, and the listing's price history holds one event, the 2026-07-30 listing, with no cuts and no relistings |
Show the other 11 checks
| Fact | Status | Source |
|---|---|---|
| Stated in-place rent $2,046/mo | stated | the live listing's stated gross rent, verified 2026-08-20; the field is defined as the sum of in-place tenant rents. No lease or estoppel sits behind it, and no field records how many tenancies it sums |
| The lower flat is vacant | stated | prose on the listing reads '3 room Down - Vacant / 1 Bedroom 1 Bath'. Nothing else in evidence confirms it, and the registry's matched filing for this building carries a one-bedroom tenancy begun in 1999 |
| Two tenancies filed at the matched building in the registry's 2025 cycle: a two-bedroom begun 2006 in the $1,251-$1,500 band, and a one-bedroom begun 1999 in the $751-$1,000 band | records | tenancy biography from the SF Rent Board registry, narrowed on block 5674 from five clusters to the single record carrying two units and three bedrooms. That record carries a 1919 build year against this parcel's 1907, so treat the match as probable, short of settled; the registry files the tenancy and never the person |
| FY 2025-26 secured bill measured: $2,172.88 = $1,085.16 ad valorem (1.18268325% on $91,758) + $1,087.72 direct charges; both installments paid | verified | SF Treasurer secured-tax portal, account 5674-006A, bill #20250407710, pulled 2026-09-08; ad valorem plus direct charges sum to the total to the penny |
| One DBI complaint on the parcel, filed 2025-05-23, closed | verified | DataSF DBI complaints census, block 5674 lot 006A: complaint 202538038, filed anonymously against the ground floor, unit A, naming water intrusion, no heat, mold and structural problems. Inspected 2025-08-13 with a first notice of violation issued the same day, abated 2025-09-26 |
| No building permit of any date on this lot | verified | re-counted from the DataSF building-permits census (1,294,263 rows, pulled 2026-08-24): 170 permit rows sit on block 5674 and none of them carries lot 006A |
| Zoning RH-2, the two-family district, under a 40-X height limit | verified | DataSF zoning and height-bulk joins on the parcel centroid, Planning Code section 209.1. The district matches the roll's two dwellings, so the unit count is conforming |
| Not on the mandatory soft-story list; no notices of special restriction; no planning applications; no liquefaction, landslide or hazardous-soils row | verified | city-records overlay: each of those layers records looked=true and returned zero rows for this parcel |
| The parcel centroid falls inside the city's air-pollutant exposure zone | verified | the overlay's air-pollutant-zone join returned one membership row for the centroid. The row carries no attribute fields, and the zone's provisions were not read for this record |
| Six Rent Board petitions within thirty meters, no appeals | verified | proximity join at a 30-meter radius on the parcel centroid: one tenant petition at 12.8 meters anonymized to the 0 block of Santa Marina Street (unlawful rent increase, filed 2016-11-30), and five at 26.3 meters anonymized to the 0 block of Cortland Avenue, among them a landlord Ellis Act withdrawal filed 2026-04-17. Block-face rows, attached to this parcel by distance alone |
| Five listing photos analyzed, two flags, every cited frame checked by eye | verified | photo-capex stage v4 (2026-08-31); the citation check narrowed both flags from all five frames to frame one and left the other four unexamined |
13 facts checked against a named source. 4 we could not settle. 16 open questions, written out in the underwrite.
Assessor
What the roll says
- Assessed value
- $91,758
- Rate used
- 1.304%
- Tax bill at this ask
- $10,585/yr
- With parcel charges
- $11,673/yr
A bill on the roll belongs to the seller. A sale resets the assessment, so the figure above is what a buyer at this ask would owe.
Community facilities district: read: the FY 2025-26 bill carries six direct charges, all citywide levies and fees from $12 to $334.38, including a $280 code-enforcement fee. The only community-facilities line is the citywide school facilities district levy of $43, and no tract-specific Mello-Roos line appears.
Standing
Where this sat
On the San Francisco board on August 18, 2026, September 8, 2026.