Top 10 Cash Flow Properties in San Francisco, CA
Last updated June 27, 2026
This leaderboard surfaces the 10 highest cash-on-cash returns available in San Francisco, CA as of June 27, 2026, but readers deserve an honest framing before scrolling down. The average cash-on-cash return across San Francisco listings is -11.0%, and even the tenth-best deal on this page clears only 7.06%. That means the overwhelming majority of properties here don't produce positive cash flow at 20% down. San Francisco's investment thesis is built on appreciation and leverage, not rental income. With a median listing price of $998,000 and a projected annual appreciation rate of 2.8%, the deals below represent rare exceptions worth knowing about, not a signal that San Francisco is broadly a cash-flow market.
Deals are ranked by cash-on-cash return calculated assuming a 20% down payment financed at the current 30-year fixed mortgage rate of 6.49%. Rent estimates are derived from automated valuation models or comparable rental analysis for each property. Operating costs include San Francisco's effective property tax rate of 1.15% plus standard expense assumptions. Figures exclude depreciation tax benefits, which vary by individual tax situation and should be evaluated with a qualified tax advisor.
| Rank | Address | Property | List Price | Est. Rent | Payment | CoC |
|---|---|---|---|---|---|---|
| 1 | 395 6th St #305, San Francisco, CA 94107 | 2 bd · 2 ba · 819 sqft | $449,000 | $5,908 | $3,419 | 33.3% |
| Highest cash-on-cash in zip 94107, 33.3% vs. 7.4% zip average. Full analysis → | ||||||
| 2 | 1688 Pine St Unit W201, San Francisco, CA 94109 | 2 bd · 2 ba · 930 sqft | $402,999 | $5,467 | $3,454 | 30.0% |
| Rent covers 1.6× the monthly payment, an unusual margin in this market. Full analysis → | ||||||
| 3 | 355 1st St Unit S207, San Francisco, CA 94105 | 2 bd · 2 ba · 963 sqft | $364,812 | $5,350 | $3,662 | 27.8% |
| 27.8% cash-on-cash at a $364,812 list price. Full analysis → | ||||||
| 4 | 263 Friedell St, San Francisco, CA 94124 | 3 bd · 3 ba · 1,204 sqft | $428,441 | $4,721 | $3,315 | 19.7% |
| 19.7% cash-on-cash at a $428,441 list price. Full analysis → | ||||||
| 5 | 2937 Harrison St, San Francisco, CA 94110 | 3 bd · 2 ba · 1,367 sqft | $699,000 | $6,888 | $4,608 | 19.6% |
| Highest cash-on-cash in zip 94110, 19.6% vs. 16.3% zip average. Full analysis → | ||||||
| 6 | 929 Bush St APT 7, San Francisco, CA 94109 | 1 ba | $499,000 | $5,070 | $3,467 | 19.3% |
| 19.3% cash-on-cash at a $499,000 list price. Full analysis → | ||||||
| 7 | 438-440 Lily St, San Francisco, CA 94102 | 3 bd · 2 ba · 1,560 sqft | $650,000 | $5,780 | $4,134 | 15.2% |
| Highest cash-on-cash in zip 94102, 15.2% vs. 11.8% zip average. Full analysis → | ||||||
| 8 | 1324 Vallejo St, San Francisco, CA 94109 | 2 bd · 1 ba · 835 sqft | $650,000 | $5,755 | $4,339 | 13.1% |
| 13.1% cash-on-cash at a $650,000 list price. Full analysis → | ||||||
| 9 | 1326 Vallejo St, San Francisco, CA 94109 | 2 bd · 1 ba · 835 sqft | $599,000 | $5,242 | $4,021 | 12.2% |
| 12.2% cash-on-cash at a $599,000 list price. Full analysis → | ||||||
| 10 | 1000 Crescent Ave, San Francisco, CA 94110 | 3 bd · 2 ba · 1,475 sqft | $888,000 | $6,641 | $5,596 | 7.1% |
| 7.1% cash-on-cash at a $888,000 list price. Full analysis → | ||||||
For San Francisco realtors
These are the current top cash-flow rental opportunities in San Francisco, ranked by cash-on-cash return. Want to be notified when new deals hit the list? Get in touch.