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© 2026 OnePercent · Estimates carry bands, never promises.the line

400 Oak St, San Francisco, CA 94102 — $1,095,000 · 2bd · ~0.4% rule | OnePercent

400 Oak St, San Francisco, CA 94102

$1,095,000

Overview Financials Comps Location Analysis Calculator Nearby Risk Neighborhood Market

Home·San Francisco 94102·400 Oak St, San Francisco, CA 94102

Last confirmed 4 days ago

400 Oak St, San Francisco, CA 94102

2 bd · 1 ba · San Francisco · CONDOS·source listing ↗

$1,095,000

rent, three ways

OnePercent model (vv1)$4,203/mo

p10–p90 confidence band

HUD Fair Market Rent · 94102 · 2BR$2,990/mo

Area comps median (last 90d)—

FMR from HUD SAFMR FY2026. Never a naked estimate.

the locale

County

San Francisco

Flood risk indexVery High FEMA NRI

Median household income$60,431

Median area rent$1,536/mo

Median home value$935,900

the verdict

0.38%vs 0.8% target

wide confidence band

Modeled rent: $4,203/morent estimate
Property tax: —listing
Insurance: $1,456/yrstate avg
HOA: $400/molisting

Cap rate: 2.2%
Cash flow: $3,496/mo
Cash-on-cash: -16.7%

financing: 20% down · — (FRED, live) · 30yr

$1,095,000

0.38% · rent $4,203

Intrinsic value · income approach

$956,124

15% above intrinsic value

Value = net operating income ÷ market cap rate. Not investment advice.

Ten-year owner return

Equity multiple, per-year cash flow, and appreciation modeling are a Pro feature.

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