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108-B Albion St 🏗️ New Construction
F Composite 28.35
Why this score? — see what drove the F grade

The composite is a weighted blend of 9 inputs, each scored 0–100. Each bar is that input's sub-score; the figure is the points it added to the 100-point composite (weight × sub-score).

  • ARV discount +7.5/15.0
  • Rent growth +5.0/5.0
  • Schools +5.0/10.0
  • Condition / age +4.0/5.0
  • Livability +3.8/5.0
  • Cash flow +2.8/30.0
  • 1% rule +0.3/10.0
  • DSCR +0.0/10.0
  • Appreciation +0.0/10.0

$599,000

108-B Albion St · San Francisco, CA 94110
2 bd · 1.0 ba · 609 sqft · SingleFamily · 50 Days on market
Built 2026 Good condition 3,263 sqft lot $480/mo HOA · 12% of rent

🖨 Deal sheet (PDF) 📄 Offer letter ✓ Due diligence

Listing remarks

108-B Albion OPEN 2-4 Saturday. Real price for a brand-new 2-bed with a full-size in-unit washer-dryer, shared backyard, 5-min walk to 16th Street BART. Great Mission Dolores location at Valencia and Guerrero streets. Heat/AC units in each room. Pets allowed. This is the center of the Mission/Dolores neighborhood, 1.5 blocks to BART, 6 min walk to Tartine, 9 min walk to Dolores Park, and BiRite at 18th and Dolores.

Key facts

  • Heat ac units
  • In-unit washer-dryer
  • Pets allowed

Tags

IN-UNIT WASHER-DRYERSHARED BACKYARDMISSION DOLORES LOCATIONHEAT AC UNITSPETS ALLOWEDWALK TO BART

Neighborhood map

Property Rental comp Retail Costco Walmart Transit Schools Stadiums Fortune 500 · Circle radius: 6.0 mi
Loading POIs…
🏗️ New construction. The $599,000 list price is a builder figure, so every metric below is computed on the value from comparable previous sales — $782,191.

What this means for you Summary

Snapshot

  • This is a 2-bed/1.0-bath single-family listed at $599k. Condition is rated good.

Deal economics

  • At list price, monthly cash flow is $-3k ($-31k/yr) — negative.
  • To cash-flow at today's rent, offer at most $403k (32.8% below list).
  • To meet the 1% rule (rent ≥ 1% of price), the offer needs to be $413k (31.1% below list).
  • Recommended offer: $403k (32.8% below list) — sets the bar for cash-flow.

Location & tenants

  • Location reads 76/100 on livability (#90 in CA, #3,143 nationally) — a middle-class / working-renter tenant base. Strengths: amenities A+, commute A+, employment A+; Watch: crime F, cost of living F.
  • San Francisco Unified (urban): math 50% / reading 56% proficiency, ranked #322 of 1,400 in CA (top 23%) — acceptable for families but not a draw, mixed tenant base, ~2y average lease.
  • Zoned schools: Lilienthal (Claire) Elementary (669 students, 19% FRL); Giannini (A.P.) Middle (1,192 students, 34% FRL); Lowell High (2,632 students, 37% FRL) — zoned schools average 30% FRL vs 49% district-wide (19 pts lower); this property's tenant base skews higher-income than the district average.
  • Market conditions: Rents rising fast (+14.5%/yr); 315 active listings in the ZIP; 40 comparable units currently listed for rent nearby; rentals lingering (median 54d on market — plan ~5-8 weeks vacancy on turnover, expect pricing pressure); 60% of comp listings sitting > 30 days — soft ceiling on asking rent; high-income renter base; 750 units permitted in San Francisco County in 2024 (688 in 5+ unit buildings).
  • This rent runs 31% of the median local income ($158k/yr) — at the standard rent-burdened threshold; future hikes will face affordability resistance.

Forward outlook

  • Local home prices are declining (-3.0%/yr); year-one equity from $5k of loan paydown is wiped out by about $23k of value loss. Plan a longer hold.
  • San Francisco County population projected at +39% by 2050 — long-run rental-demand tailwind backs the buy-and-hold thesis.

Negotiation context

  • It's been on market 50 days — a 3% lower offer ($581k) is reasonable based on typical stale-listing flexibility.
Recommended offer $402,588 (32.8% below list)

Questions for the listing agent

  1. What do current leases actually rent for vs. the listed asking? Can we see a recent rent roll and the last 12 months of T-12 income?
  2. It's been on market 50 days. Have you received any prior offers? Is the seller open to a 33% concession, seller financing, or rate buy-down credit?
  3. What does the HOA fee cover, when was the last increase, and are there any pending special assessments or reserve-fund shortfalls?
  4. Is there a deadline driving the sale (1031 exchange, divorce, estate, relocation)? That informs how much negotiation room exists.
  5. Schools are B-rated — typically a magnet for longer-tenancy family renters. What's the average tenant stay here, and is there a school-zone premium baked into asking?
  6. Crime grade is F in this area — have there been break-ins, vandalism, or insurance claims at this property in the last 3 years? What carrier currently insures it and at what premium?
  7. The area grade is low — what's the realistic commute time and amenity access for the typical tenant pool here? Any planned neighborhood developments (good or bad) we should know about?
  8. What's the average days-on-market for RENTAL listings here right now (not sales)? A rising rental-DOM trend means longer vacancies and softer asking-rent achievability than the comps imply.
  9. What's the recent tenant-quality profile in this submarket — average credit score on applications, eviction rate, late-payment / NSF rate, and stable-employment percentage? A property-management company in the area should have these aggregated.
  10. How much new for-sale + rental construction is in the pipeline within 1–3 miles? Heavy new supply typically softens prices + rents 12–24 months out; constrained supply supports both.

Investment metrics

1% rule
0.53%
Cap rate
2.27%
Cash-on-cash
-14.37%
DSCR
0.36
GRM
15.8

CMA / ARV

ARV (median comp)
$782,191
List price
$599,000
Delta
-23.42%
Verdict
UNDERPRICED
Comps
20 within 1.0 mi
Show comp detail 7 sales within ~0.75 mi
Address Dist Beds/Ba Sqft Sold Price $/sf Match
198 Dolores St #6 0.25mi 1/1.0 (-1) 695 (+14%) 3mo $800,000 $1,151 58
380 Dolores St #6 0.20mi 1/1.0 (-1) 538 (-12%) 14mo $572,500 $1,064 54
221 Noe St #3 0.54mi 1/1.0 (-1) 655 (+8%) 8mo $880,000 $1,344 51
383 Haight St 0.61mi 2/1.0 670 (+10%) 12mo $495,000 $739 45
221 Noe St #12 0.54mi 1/1.0 (-1) 662 (+9%) 13mo $775,000 $1,171 44
536 Page St Unit B 0.72mi 2/2.0 649 (+7%) 10mo $910,000 $1,402 43
221 Noe St #8 0.54mi 1/1.0 (-1) 662 (+9%) 18mo $755,000 $1,140 40

Match score weights: distance 35% · size 25% · config 20% · recency 20%. Top-matched comps best support the ARV.

Projected returns pro-forma

-3.0% appreciation · 8.0% rent growth · sell at horizon

5-year hold
IRR
-37.7%
Equity multiple
-0.24×
Total profit
$-271,651
Equity at exit
$116,627
10-year hold
IRR
-28.3%
Equity multiple
-0.60×
Total profit
$-350,919
Equity at exit
$67,630

Cash invested: $219,014 (down + closing). Projections, not guarantees.

Landlord ↔ Tenant lean methodology

Overall (CITY)
0 Strongly Tenant-Friendly
State California
18 Strongly Tenant-Friendly · D+13
County
— inherits STATE
City San Francisco
0 Strongly Tenant-Friendly · D+57
SF Rent Ordinance + Eviction Protections; relocation $10k+; one of strictest in US.
Buyer's market Market conditions within 1.0 mi — comparable homes for sale

Active competition Active MLS

For sale now
5 active · 1 under contract
Months of supply
15.0 mo (7%/mo absorbed)
Median asking
$575,000 ($975/sqft)
Median days on market
56 d
This list price
60% of active listings are priced below it
ARV vs active asking
+31.8% above current asking $/sqft

Closed sales set the value; these active listings set current market conditions and a practical price ceiling.

ZIP-level market 94110

Rents YoY
14.5%
Active inventory
315
Price-to-rent
12.1×

Monthly cashflow live

Estimated rent
$4,129 high interval (Pro) →
Mortgage (P&I)
$4,102
Tax est. 1.5%
$978 /mo · $11,733/yr
Insurance
$326
HOA
$480
Vacancy / Maint / Mgmt
$867
Net cashflow
$-2,623

Break-even live

Break-even rent $7,450
Max offer price $402,588
Occupancy floor

Sensitivity live

Price -10% $-2,083 -5% $-2,353 +0% $-2,623 +5% $-2,894 +10% $-3,164
Rent -10% $-2,950 -5% $-2,786 +0% $-2,623 +5% $-2,460 +10% $-2,297
Rate -1.0pp $-2,229 -0.5pp $-2,424 base $-2,623 +0.5pp $-2,826 +1.0pp $-3,032

UW: 25.0% down · 7.5% · 30yr · 1.5% tax · 5.0% vac · 8.0% maint · 8.0% mgmt

Financing live

Cash to close

Down payment
$195,548
Closing costs
$23,466
Reserves months
Total cash needed

Loan-product check · same deal, 3 products live

Conventional

25% down · 7.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Personal DTI + credit; lowest rate.

DSCR

20% down · 8.5% · 30yr

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

No personal income docs; deal must DSCR.

Hard money

10% down · 12.0% · 12mo

Cash invested
Monthly P&I
Monthly cashflow
DSCR
Eligible?

Short-term bridge; refi at stabilization.

Rent comps 40 comps

AddressBedsBaths SqftRent$/sqft DOM Units Dist
54 Sycamore St San Francisco, CA 2.0 1.0 750 $2,950 $3.93 83d 1 0.16mi
3305 17th St San Francisco, CA 1.0 1.0 650 $4,295 $6.61 10d 1 0.19mi
81 Dorland St San Francisco, CA 1.0 1.0 600 $3,790 $6.32 62d 1 0.19mi
23 Linda St Unit 33 San Francisco, CA 1.0 1.0 600 $4,295 $7.16 34d 1 0.19mi
1600 15th St San Francisco, CA 1.0 1.0 652 $5,212 $7.99 0d 2 0.25mi
429 14th St #1621 San Francisco, CA 1.0 1.0 500 $3,660 $7.32 24d 1 0.27mi
1863 Mission St San Francisco, CA 1.0 1.0 490 $3,300 $6.73 18d 1 0.29mi
3420 19th St San Francisco, CA 2.0 1.0 673 $4,650 $6.91 7d 1 0.30mi
270 Valencia St #205 San Francisco, CA 1.0 1.0 500 $3,800 $7.60 139d 1 0.32mi
1801 Mission St San Francisco, CA 1.0 1.0 446 $10,000 $22.42 139d 1 0.33mi
1341 Minna St San Francisco, CA 1.0 1.0 733 $2,950 $4.02 72d 1 0.33mi
2315 Mission St San Francisco, CA 1.0 1.0 450 $2,995 $6.66 98d 1 0.35mi
2315 Mission St Unit 106 San Francisco, CA 1.0 1.0 450 $2,995 $6.66 103d 1 0.35mi
1778 Mission St San Francisco, CA 1.0 1.0 639 $3,695 $5.78 64d 1 0.35mi
1778 Mission St Unit 07 San Francisco, CA 1.0 1.0 639 $3,695 $5.78 88d 1 0.35mi
112 Shotwell St Unit 114 San Francisco, CA 1.0 1.0 565 $3,695 $6.54 10d 1 0.38mi
112-118 Shotwell St Unit 116 San Francisco, CA 1.0 1.0 572 $4,195 $7.33 40d 1 0.38mi
225 Duboce Ave San Francisco, CA 2.0 1.0 600 $4,995 $8.32 24d 1 0.40mi
72 Pearl St San Francisco, CA 1.0 1.0 650 $3,950 $6.08 59d 1 0.43mi
45 Pearl St San Francisco, CA 2.0 1.0 600 $4,950 $8.25 42d 1 0.46mi
78 Buchanan St San Francisco, CA 1.0 1.0 653 $5,640 $8.64 5d 1 0.48mi
790 Church St San Francisco, CA 1.0 1.0 410 $3,800 $9.27 0d 1 0.49mi
3272 21st St San Francisco, CA 1.0 1.0 500 $4,145 $8.29 7d 1 0.49mi
559 Shotwell St Apt D San Francisco, CA 1.0 1.0 460 $2,495 $5.42 18d 1 0.51mi
519 Capp St Unit A San Francisco, CA 1.0 1.0 500 $3,850 $7.70 75d 1 0.51mi
519 Capp St Unit B San Francisco, CA 1.0 1.0 700 $4,950 $7.07 43d 1 0.51mi
400 Duboce Ave San Francisco, CA 1.0–3.0 1.0 682 $6,590 $9.66 4d 4 0.53mi
68 McCoppin St San Francisco, CA 1.0 1.0 734 $3,825 $5.21 112d 2 0.54mi
940 Guerrero St Apt 16 San Francisco, CA 1.0 1.0 520 $4,595 $8.84 24d 1 0.55mi
940 Guerrero St Unit 15 San Francisco, CA 1.0 1.0 550 $4,395 $7.99 54d 1 0.55mi
940 Guerrero St Unit 02 San Francisco, CA 1.0 1.0 550 $4,295 $7.81 112d 1 0.55mi
940 Guerrero St Unit 04 San Francisco, CA 1.0 1.0 520 $3,895 $7.49 82d 1 0.55mi
940 Guerrero St Unit 06 San Francisco, CA 1.0 1.0 520 $4,295 $8.26 120d 1 0.55mi
35 Hill St San Francisco, CA 1.0 1.0 684 $4,000 $5.85 93d 1 0.56mi
35 Hill St San Francisco, CA 1.0 1.0 674 $3,500 $5.19 103d 1 0.56mi
200 Buchanan St San Francisco, CA 2.0 1.0–2.0 920 $9,310 $10.11 0d 16 0.58mi
1699 Market St San Francisco, CA 2.0 1.0–2.0 686 $7,682 $11.19 0d 10 0.59mi
45 Bartlett St #611 San Francisco, CA 1.0 1.0 660 $4,599 $6.97 6d 1 0.59mi
881 Dolores St San Francisco, CA 1.0 1.0 750 $4,495 $5.99 86d 1 0.60mi
3410 22nd St Unit 7 San Francisco, CA 1.0 1.0 533 $4,200 $7.88 58d 1 0.60mi

Property features AI

Finance

HOA & community
Homeowners association with monthly feeMonthly HOA fee of $480HOA covers structure insurance, sewer, trash and waterCommunity of 8 unitsCats and dogs allowed

Exterior

Utilities
Public waterPublic sewer
Home design
Residential tenancy-in-commonNew construction
Construction
Built in 2026
Exterior features
Entry at ground levelFaces east

Interior

Kitchen
DishwasherFree‑standing electric rangeFree‑standing refrigeratorMicrowave
Bedrooms
2 bedrooms
Flooring
Wood
Bathrooms
1 full bathroom
Heating & cooling
Heat pump (heating and cooling)Zoned heating
Interior features
Laundry closetHeat pump with zoned heatingHeat pump coolingWood flooringTankless water heater
Laundry & utility
Stacked washer/dryer

Listing history 42 events

  1. 2026-09-18
    days on market $599,000 Active 50 DOM
  2. 2026-09-17
    days on market $599,000 Active 49 DOM
  3. 2026-09-16
    pricedays on marketlisting id $599,000 Active 48 DOM
  4. 2026-09-15
    days on market $745,000 Active 31 DOM
  5. 2026-09-14
    days on market $745,000 Active 30 DOM
  6. 2026-09-13
    days on market $745,000 Active 29 DOM
  7. 2026-09-12
    days on market $745,000 Active 28 DOM
  8. 2026-09-11
    days on market $745,000 Active 27 DOM
  9. 2026-09-05
    days on market $745,000 Active 21 DOM
  10. 2026-09-04
    days on market $745,000 Active 20 DOM
  11. 2026-09-03
    days on market $745,000 Active 19 DOM
  12. 2026-08-31
    days on market $745,000 Active 16 DOM
  13. 2026-08-30
    days on market $745,000 Active 15 DOM
  14. 2026-08-29
    days on market $745,000 Active 14 DOM
  15. 2026-08-28
    days on market $745,000 Active 13 DOM
  16. 2026-08-27
    days on market $745,000 Active 12 DOM
  17. 2026-08-26
    days on market $745,000 Active 11 DOM
  18. 2026-08-25
    days on market $745,000 Active 10 DOM
  19. 2026-08-24
    days on market $745,000 Active 9 DOM
  20. 2026-08-23
    days on market $745,000 Active 8 DOM
  21. 2026-08-22
    days on market $745,000 Active 7 DOM
  22. 2026-08-21
    days on market $745,000 Active 6 DOM
  23. 2026-08-20
    days on market $745,000 Active 5 DOM
  24. 2026-08-19
    days on market $745,000 Active 4 DOM
  25. 2026-08-18
    days on market $745,000 Active 3 DOM
  26. 2026-08-17
    days on market $745,000 Active 2 DOM
  27. 2026-08-16
    pricedays on marketlisting id $745,000 Active 1 DOM
  28. 2026-08-15
    days on market $599,000 Active 16 DOM
  29. 2026-08-14
    days on market $599,000 Active 15 DOM
  30. 2026-08-13
    days on market $599,000 Active 14 DOM
  31. 2026-08-12
    days on market $599,000 Active 13 DOM
  32. 2026-08-11
    days on market $599,000 Active 12 DOM
  33. 2026-08-10
    days on market $599,000 Active 11 DOM
  34. 2026-08-09
    days on market $599,000 Active 10 DOM
  35. 2026-08-08
    days on market $599,000 Active 9 DOM
  36. 2026-08-06
    days on market $599,000 Active 7 DOM
  37. 2026-08-05
    days on market $599,000 Active 6 DOM
  38. 2026-08-04
    days on market $599,000 Active 5 DOM
  39. 2026-08-03
    days on market $599,000 Active 4 DOM
  40. 2026-07-31
    remarks 418-char remark
  41. 2026-07-31
    statusdays on marketlisting id $599,000 Active 1 DOM
  42. 2026-04-29
    listed $599,000 Active 387-char remark

ⓘ Source: listings_history table (triggers on properties + properties_extension) + one-shot backfill from property_details.listing_events for pre-trigger history.

Climate risk First Street

  • 🌊 Flood 1/10 Low FEMA zone X (unshaded) · 0% chance over 30 yrs
  • 🔥 Wildfire 1/10 Low
  • 🌡 Heat 3/10 Moderate 9 d/yr ≥78°F today · 20 d/yr by 30 yrs out
  • 💨 Wind 1/10 Low
  • 🫁 Air quality 8/10 Severe 15 unhealthy d/yr today · 15 by 30 yrs out

Nearby sold comps map

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Walkable amenities ~0.75 mi

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Taxation est. · year 1

Rental income
$49,552
− Mortgage interest
−$43,815
− Property taxes
−$11,733
− Insurance
−$3,911
− Repairs & maintenance
−$3,964
− Management
−$3,964
− HOA
−$5,760
− Depreciation
−$22,755
Taxable loss
−$46,349
combined federal + state — saved on this device
Est. tax savings @ 24.0%
+$11,124
After-tax cash flow
$-20,356/yr

For passive investors: Depreciation is non-cash, so a rental often shows a tax loss while cash-flowing — sheltering income. Rental losses are passive: they offset passive income freely, and up to $25,000/yr can offset ordinary (W-2) income if you actively participate and your MAGI is under $100k (phasing out to $0 by $150k); unused losses carry forward. On sale, claimed depreciation is recaptured at up to 25%, and gains may owe capital-gains tax (a 1031 exchange can defer both). Figures are a year-1 estimate at your 24.0% rate — not tax advice; consult a CPA.

Condition & rehab AI · 12 photos

Good 80/100 Cosmetic rehab Est. rehab $3,045–$9,135 screening

This property is in good condition with a modern kitchen and bathroom. It has a good curb appeal and is located in a desirable neighborhood. Potential buyers and renters will appreciate the smart home features and landscaping improvements.

Value-add opportunities

  • Both Painting the exterior — Fresh paint can enhance curb appeal and property value.
  • Both Landscaping improvements — A well-maintained garden can increase both resale and rental value.
  • Both Adding smart home features — Smart home features can increase both resale and rental value by making the property more modern and convenient.

ⓘ Rehab cost is a screening estimate — Cosmetic scope × the home's square footage at US $/sqft rules of thumb (the same model as the Flip Finder). Get contractor quotes + a written scope before underwriting.

Zoned Schools

Elementary Sanchez Elementary Middle Everett Middle High Mission High

Schools (NCES district)

District
San Francisco Unified
NCES district ID
0634410
Math proficiency
50% ▬ 0.00%
Reading proficiency
56% ▲ 1.00%
Median HH income
$81,249
Composite
50.14/100
National rank
#4088
State rank
#322 of 1400 in CA
B Composite livability gradescore 76/100

Livability — San Francisco

Score
76/100
State rank
#90
US rank
#3143

Category grades

Amenities A+ Commute A+ Cost of living F Crime F Employment A+ Housing B- Health & safety A+ User ratings C-

Schools grade is shown separately in the Schools card above.

Census & demographics

Census place
San Francisco, CA
County
San Francisco County · 1,030,936 people
City population
827,552
Metro
San Francisco-Oakland-Berkeley, CA
Population (ZIP)
66,865
Household income
$158,351
Rent vs Own
58.2% rent · 41.8% own
Severe rent burden
8% of renters

Population outlook (San Francisco County) Hauer SSP2

Today (2025)
1,030,936 people
By 2030
1,110,409 · +7.7%
By 2040
1,270,010 · +23.2%
By 2050
1,435,001 · +39.2%
By 2075
1,779,074 · +72.6%
By 2100
1,966,767 · +90.8%

Race, ethnicity, and origin ACS 2023

Neighborhood character
Highly diverse neighborhood (Simpson 0.70)
Race & ethnicity
White 41% Hispanic / Latino 32% Asian 16% Two or more races 15% Black 4% Native American 1%
Hispanic origin (detail)
Mexican 16% Puerto Rican 1%
Common ancestry
Lithuanian 3% Italian 2% Romanian 2%
Foreign-born
28% · Canada, China, Vietnam
Languages at home
58% English-only · Spanish 27% Chinese 5% Other Indo-European 2%

Political lean MEDSL · San Francisco

2024 margin
Solid D (+64.8) · D 80.3% · R 15.5% · Other 4.1%
2008→2024 swing
-5.7pp toward R · 2008: 70.5pp · 2024: 64.8pp
All cycles
2024: D+64.8 2020: D+72.5 2016: D+76.1 2012: D+70.2 2008: D+70.5

Not yet ingested

Civics

Price history

1 event — show timeline
  • 2026-07-30 Listed $599,000 San Francisco MLS

Cash-flow waterfall

monthly

Sold comps — $/sqft

last 12 mo · ≤1 mi

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