161 Capp St
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
24% of that payment is not the mortgage. The HOA fee alone is $28,500 over five years — money that buys you no equity. A calculator that defaulted the fee to zero would have quoted you $5,010.
Not FHA-approved. No 3.5%-down FHA financing on this unit, so the realistic floor is a 5%-down conventional loan ($37,450). 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
We haven't reconstructed a multi-year fee history for this building yet. We have one recorded fee on file ($475 in 2026), not enough for a trend yet. The listing shows $475/mo today. Upload its HOA docs and we'll build the full reserve & special-assessment report — free.
🏢 Get this building's free HOA report →✅ Positives
- 13% below model fair value
- On market 86 days → some leverage
- Garage parking
- Low HOA (0.8%/yr)
⚠️ Cons
- Older building (1907)
- Only 1 bath
- Photos look dim — verify light in person
🚩 Red flags
Photos
Price history (this unit)
- Sep 8, 2026 — Price Changed $749,000
- Jul 17, 2026 — Listed $779,000
- Feb 21, 2026 — Rental Removed $3,995
- Dec 28, 2025 — Price Changed $3,995
- Dec 4, 2025 — Price Changed $4,100
- Nov 20, 2025 — Listed for Rent $4,400
Description
Price reduced with an assumable loan of approximately 3.625%, subject to lender approval. This combination makes this tenant occupied property a smart investment during San Francisco's AI tech boom. This Delightful 1907 Edwardian home located in the heart of San Francisco's Mission District. Timeless architecture blends with modern city living offering an ideal top floor, 850 square foot layout. It features south-facing, light-filled rooms, updated finishes, and is just steps away from world-class dining, shopping, parks and public transit. Generous floor plan featuring spacious living areas, two bedrooms and is perfect for both relaxing and entertaining. Period details combine with modern…