1400 Mission St #1300
Higher is a better buy. 50 is "priced about right for what it is". The last step curves the raw advantage onto 0–100, so points stop being one-for-one at the extremes.
💵What this unit actually costs per month
28% of that payment is not the mortgage. The HOA fee alone is $35,220 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $3,957.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($29,500). Common for small associations and not a defect on its own, but it does remove FHA buyers from your resale pool.
Minimum realistic down payment here: 5% · verify on HUD's lookup
Rate is the Freddie Mac PMMS 30-year average for the week of 2026-10-08 — a national survey figure, not a quote. Tax, insurance and closing costs are estimates; your own Loan Estimate is the real number.
This building's HOA fees
🚩 Rising fast · +6.1%/yrReconstructed from 27 units of recorded sales at 1400 Mission St — every recorded sale carries its HOA fee and date. No listing site shows this.
These dues climbed 27% in 4 years — about +6.1%/yr across 27 units of recorded sales, well above inflation. A rise this steep is a leading signal of a special assessment, a drained reserve fund, or an insurance shock. The listing never shows it; the building's documents are where the "why" lives.
🏢 Get this building's full reserve & assessment report — free →✅ Positives
- 20% below model fair value
- On market 47 days → some leverage
- Upper floor (fl 13)
- Low HOA (1.2%/yr)
⚠️ Cons
- HOA $587/mo
- Only 1 bath
- Photos look dim — verify light in person
🚩 Red flags
- Only 1 photo — verify condition
Photos
Price history (this unit)
- Aug 25, 2026 — Listed $590,000
- Aug 25, 2026 — Listed $590,000
Description
For investment purposes only; prior to 2034, the property may only be rented out. Offering strong rental yield potential, this 780-square-foot San Francisco home features two bedrooms and one full bathroom. The residence is equipped with electric heating but does not have air conditioning. The interior includes a dedicated dining area, though there is no separate family room. The property also comes without garage parking. Located within the San Francisco Unified School District for elementary education, this home offers a practical and efficient layout, making it an attractive option for those seeking a compact urban residence or a potentially high-yield rental property.