San Francisco Owner Financed Properties For Sale

Commercial Real Estate in San Francisco available for sale

Owner Financed Properties for Sale in San Francisco, CA, USA

3489-3499 Mission St

San Francisco, CA 94110

Owner Financed Property
Retail for Sale
$3,214,330 CAD
2,804 SF

San Francisco Retail for Sale - Southern City

Rarely available CORNER property with off-street parking area in the well-established and vibrant Bernal Heights neighborhood. Mission Street Frontage! High foot traffic. HUGE development potential! Bring your investor/developer for a potential mixed-use development. NC3 Zoning, 3 unit building, currently used as 2 commercial units (restaurant and liquor/convenience store). Seller indicates two original units were incorporated into the existing restaurant to provide a larger dining area. Torch-down roofing, Seller may consider SELLER FINANCING for a qualified buyer and agreeable terms. Please don't disturb commercial tenants. Call Nick Nicklas for showings.

Contact:

eXp Realty of Northern California, Inc

Property Subtype:

Storefront

Date on Market:

2025-12-09

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1190B Shafter Ave

San Francisco, CA 94124

Owner Financed Property
Industrial for Sale
$1,846,530 CAD
3,300 SF
1 Unit Available

Air Conditioning
Security System
24 Hour Access
Roof Terrace
Smoke Detector

San Francisco Industrial for Sale - Bayview/Hunters Point

The size and layout of the the property accommodate a variety of light manufacturing, storage and distribution needs. The property’s location offers excellent connectivity to major transportation routes such as Highway 101 and I-280, as well as proximity to Downtown San Francisco. Zoned PDR-1-B (light industrial buffer), the property offers flexibility to a wide range of commercial applications. Seller is offering owner financing, providing buyers with added purchasing flexibility and the ability to structure more favorable terms than conventional/SBA lenders.

Contact:

Kidder Mathews

Property Subtype:

Warehouse

Date on Market:

2025-06-02

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1927-1929 Taraval St

San Francisco, CA 94116

Owner Financed Property
Multifamily for Sale
$3,351,110 CAD
4,812 SF

Bicycle Storage
Waterfront

San Francisco Multifamily for Sale - Southern City

Investment Highlights: Non-Rent-Controlled Fourplex – rare legal classification in San Francisco $98,431 Annual Positive Cash Flow with today’s rates and conservative rent assumptions Seller Financing Available – $1,000,000 carry + $500,000 down payment Flexible Ownership Structure – buy entire building or split residential/commercial components Located in Coveted Central Sunset – blocks to Ocean Beach and Muni lines Owner-Occupant or Condo Conversion Ready – live in the large unit or split ?? Property Overview – 1927–1929 Taraval St, San Francisco This unique four-unit mixed-use building offers a rare combination of flexibility, income, and upside potential. Unit Breakdown: Unit 1 (Large Residential): $4,950/month Unit 2 (Small Residential - Commercial Use): $2,200/month Unit 3 (Small Residential - Commercial Use): $3,300/month Unit 4 (Commercial - Vacant): Market rent potential $5,000–$5,900/month ?? Income & Expense Summary Low Estimate: Total Monthly Rent: $15,450 Annual Gross Income: $185,400 Operating Expenses (6% management): $11,124 Net Operating Income (NOI): $174,276 ?? Financing Scenario & Positive Cash Flow Assuming buyer finances the $950,000 balance (after $1M seller carry + $500K down) at 7.00% interest for 30 years, monthly payments are: Monthly Mortgage: $6,320 Annual Debt Service: $75,844 ?? Annual Cash Flow Calculation: NOI = $ 174 , 276 Annual Mortgage Payments = $ 75 , 844 Cash Flow (before taxes) = $ 174 , 276 - $ 75 , 844 = $98,431 NOI=$174,276 Annual Mortgage Payments=$75,844 Cash Flow (before taxes)=$174,276-$75,844=$98,431 ? Positive Income of $8,202/month or $98,431/year This means that even after debt service, the investor walks away with nearly $100K per year in passive income, with the potential for more once the commercial unit rents at top market rate. ?? Key Metrics: Metric Value (Low Estimate) Cap Rate 7.11% Cash-on-Cash Return (25% down) 28.45% GRM (Gross Rent Multiplier) 13.2 GIM (Gross Income Multiplier) 13.2 These numbers are strong by any standard, and particularly rare for a property in one of San Francisco’s most stable and sought-after submarkets. ?? Endless Upside Potential Live in the large residential unit and rent the others, or pursue condo conversion. Lease out the vacant commercial storefront to a local business or office tenant. Seller is flexible – willing to sell residential or commercial units separately at the right price. ?? Location, Location, Location Positioned in the heart of the Sunset, this building offers: Steps to Ocean Beach, Muni L-Taraval, Sunset Boulevard, and Golden Gate Park High foot traffic and strong tenant demand Walkable, transit-rich, and part of a historically high-appreciation corridor ?? Contact us today for financial models, OM (offering memorandum), or to schedule a tour.

Contact:

Extramile Property Management Company Inc

Property Subtype:

Apartment

Date on Market:

2025-05-30

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924 Sansome St

San Francisco, CA 94111

Owner Financed Property
Office for Sale
$7,933,240 CAD
19,212 SF

Natural Light

San Francisco Office for Sale - Waterfront/North Beach

Kidder Mathews is pleased to offer investors a value-add investment opportunity located at 924 Sansome in the heart of Jackson Square/Levi Plaza in San Francisco. For nearly half a century the property was home to Henry’s Hunan, a restaurant chain started by Henry Chung who pioneered spicy Hunanese cuisine in the United States that was memorialized for Henry's food legacy by the New York Times after his death. The property originally featured a ground floor restaurant, second floor banquet room and a full garage at grade in the rear serviced by a roll up door with a freight elevator serving all floors. This property which is close to Jony Ive's new tech hub in Jackson Square has begun the conversion to spec office and is ready for a new owner to complete the work. Conversion to spec office is around 50% complete. OWNER FINANCING AVAILABLE OAC. Recently the ownership begun converting the building to spec office by removing all restaurant equipment and stripping the premises to shell for office improvements. Plans for a two-story single tenant or two independent single floor office tenants been approved by the city and some work towards installing new mechanical and restrooms has commenced. Investors or owner-users will enjoy the flexibility to complete the remaining improvements for office or other use as the flexible C-2 zoning provides for a variety of uses. The property is located on Sansome, a major vehicular thoroughfare exiting the San Francisco FiDi and closely bisects Broadway which cuts through Russian and Nob Hill to the Pacific Heights, Marina, and Cow Hollow Districts. The site straddles the popular Jackson Square and Levi Plaza historic office districts and tenants will benefit from easy access to public transportation, eclectic eateries and proximity to North Beach and Embarcadero Restaurants. The property is believed to have been a former parking garage and then a cold storage facility and under the most recent office conversion permit no additional seismic was required. (buyer to confirm).

Contact:

Kidder Mathews

Date on Market:

2022-06-23

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Owner Financed Properties for Sale within 50 kilometers of San Francisco, CA, USA

More details for 2477 Virginia St, Berkeley, CA - Multifamily for Sale

Court Royal - 2477 Virginia St

Berkeley, CA 94709

Owner Financed Property
Multifamily for Sale
$10,942,400 CAD
25,644 SF

Berkeley Multifamily for Sale

David Harrington License # 02168060 (CA) Matthews Real Estate Investment Services, Inc 2321 Rosecrans Ave., Suite 1225, El Segundo, CA 90245 (866) 889-0550

Contact:

Matthews Real Estate Investment Services

Property Subtype:

Apartment

Date on Market:

2025-10-31

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More details for 262 Hanover Ave, Oakland, CA - Multifamily for Sale

UNDER CONTRACT - 262 Hanover Ave

Oakland, CA 94606

Owner Financed Property
Multifamily for Sale
$2,154,285 CAD
4,656 SF

24 Hour Access
Controlled Access
Kitchen

Oakland Multifamily for Sale - Oakland-North

The Mitchell Warren Team is pleased to present 262 Hanover Avenue, a six-unit apartment building ideally located just steps from Lake Merritt in Oakland’s desirable Cleveland Heights neighborhood. The property features a balanced unit mix of two (2) spacious two-bedroom/one-bath units and four (4) one-bedroom/one-bath units, some of which offer views of Lake Merritt. Each apartment includes a fireplace and an oversized bathroom with both a soaking tub and a stand-up shower. Recent capital improvements include a seismic retrofit, a new roof, and interior unit upgrades. Additional amenities include secured parking with six covered spaces, an on-site laundry facility, and tenant storage lockers. The property also offers assumable seller financing at a 5.00% interest rate, providing excellent day-one cash flow and an attractive opportunity for investors seeking a stabilized, well-located asset in one of Oakland’s most vibrant submarkets. 262 Hanover Avenue is ideally located in Oakland’s desirable Cleveland Heights neighborhood, just steps from the shores of Lake Merritt. Tenants can enjoy the lake’s recreational amenities and easy access to the vibrant dining and retail scene along Lakeshore and Grand Avenues. Popular local spots include Grand Lake Kitchen, Bardo Lounge & Supper Club, and Colonial Donuts, along with nearby cafés like Haddon Hill Café and 1888 Coffee. Trader Joe’s, the Grand Lake Theater, and the Saturday Farmer’s Market are all just minutes away, creating a true live-work-play environment. The property is also well-connected to public transportation—residents are within easy reach of the Lake Merritt BART Station, multiple AC Transit bus lines, and major commute corridors—making it an exceptionally convenient location for renters seeking both lifestyle and accessibility.

Contact:

NAI Northern California

Property Subtype:

Apartment

Date on Market:

2025-10-14

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Thornton Heights(Seller Financing Avail)

Owner Financed Property
Land for Sale
$4,759,944 CAD
0.48 AC
2 Land Properties

Newark Portfolio of properties for Sale

Rare infill development opportunity located in the heart of Newark’s Old Town Specific Plan. The Thornton Heights Redevelopment offers investors and developers a unique chance to deliver a high-impact housing project in one of the Bay Area’s most cooperative and pro-growth cities. This offering includes two adjacent parcels totaling ±21,000 SF (0.48 acres) positioned within Newark’s revitalization area, where the city is actively seeking quality housing developments that bring new energy and affordability to Old Town. Situated in the Residential High-Density zoning district, these parcels are perfectly suited for multifamily or mixed-use housing and may qualify for 100+ residential units under California’s Density Bonus Law. This law allows higher density and streamlined approvals for projects that include affordable housing. Developers can benefit from accelerated entitlements, reduced holding periods, and enhanced financial feasibility due to the city’s strong support for housing production. Next door, a 59-unit affordable housing project is currently under construction, supported by $12 million in Newark Development Grants a clear signal of the city’s investment in new residential growth. Projects at this site may be eligible for over $20 million in state and local funding, including California HCD grants, local housing trust support, and low-interest financing programs that help reduce upfront capital costs and improve ROI. Newark’s proactive stance on infill development and housing production makes this one of the most attractive small-scale multifamily sites in the East Bay. Key Highlights Two side-by-side parcels totaling ±21,000 SF (0.48 acres) Zoning: Residential High Density (Old Town Specific Plan) 100+ Unit Potential under the State Density Bonus Law Eligible for $20M+ in local and state housing grants Next door to $12M city-funded affordable housing project Fast-track city approvals and entitlement support Strong demand for affordable and mixed-income housing Ideal for developers, housing funds, or community partners Location Advantages The property is located within Newark’s Old Town Specific Plan area, a walkable district envisioned as a vibrant mixed-use neighborhood with new housing, local-serving retail, and open spaces. The city’s plan prioritizes residential growth and affordable housing development, providing a streamlined pathway for projects that align with Newark’s housing goals. The site is well-positioned near major transportation routes (I-880 and Dumbarton Bridge) and within commuting distance to Silicon Valley’s employment centers, making it ideal for workforce housing and long-term community development. Investment Highlights Zoning Flexibility: Residential High Density zoning supports multifamily and attached housing types. Grant Access: Eligible for multiple funding programs, including AHSC, Infill Infrastructure Grants, and Local Housing Trust Fund initiatives. Public Support: City officials and planning staff actively encourage high-quality infill housing and have demonstrated willingness to collaborate with developers to achieve housing production goals. Market Demand: Newark continues to experience strong rental demand driven by limited supply and proximity to major tech and logistics employment centers. Comparable Development Activity: The adjacent $12M affordable project and surrounding mixed-use developments show strong civic momentum and investor confidence. Development Potential Developers can pursue a range of housing concepts, including: Affordable Housing: Maximize state and local incentives through all-affordable or mixed-income development. Mixed-Income Multifamily: Combine affordable and market-rate units to enhance project economics and community impact. Small-Scale Mixed-Use: Add ground-floor retail or live/work spaces to meet the area’s growing demand for neighborhood-serving uses. This property’s combination of prime location, strong civic support, substantial grant eligibility, and entitlement incentives makes it one of the most compelling infill redevelopment opportunities currently available in the East Bay. Summary of Advantages Located within Newark’s Old Town Specific Plan 0.48 Acres Total (Two Adjacent Parcels) 100+ Unit Potential under Density Bonus Law Eligible for $20M+ in Grant Funding Next Door to $12M Affordable Project Fast-Track City Entitlements City-Supported, High-Growth Zone Ideal for Affordable or Mixed-Income Development Seller Financing Available – Up to 50% at 7.5% (5-Year Term) Flexible capital structure ideal for developers and value-add buyers. Seller Financing Highlights: Seller will finance up to 50% of purchase price 7.5% interest, fixed 5-year term with balloon payment Fast closing — no bank approval needed Ideal for entitlement phase, early-stage development, or land banking

Contact:

Keller Williams Realty Cupertino

Date on Market:

2025-10-13

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More details for 1901-1911 Sonoma Blvd, Vallejo, CA - Multifamily for Sale

12 Units with 3.0% Seller Financing - 1901-1911 Sonoma Blvd

Vallejo, CA 94590

Owner Financed Property
Multifamily for Sale
$2,872,380 CAD
9,200 SF

Vallejo Multifamily for Sale - Benicia/Vallejo

12-unit apartment complex with excellent current income and strong rental upside. The units mix offers one 3bd/1bth unit, one 2bd/1bth unit, nine 1bd/1bth units and one studio unit. The property was originally built in 1921, offers approximately 9,200 square feet of rental space, and sits on a combined lot size of 13,000 square feet. The sale also includes the vacant lot next door at 536 Capitol St which is currently being used for 15+ parking spaces and provides an interesting development opportunity. The units have been remodeled over time and feature upgraded kitchens, bathrooms, wood flooring, custom fixtures, and newer paint. The property is easy to manage, separately metered for gas and electric, with low annual operating expenses. Seller financing is available for well qualified buyers with 25% downpayment, 3.0% Interest Only for 5 years. This is a high-demand Vallejo location only a few blocks to the restaurants and coffee shops in Downtown Vallejo and a short distance to Mare Island and the Vallejo Marina and the San Francisco Bay Ferry Terminal. ****EMAIL DAVID@PINZAGROUP.COM FOR A COMPLETE MARKETING PACKAGE.

Contact:

Pinza Group

Property Subtype:

Apartment

Date on Market:

2025-10-08

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More details for 667 10th St, Oakland, CA - Multifamily for Sale

4-units w/ Seller Financing & 1 Vacant Unit - 667 10th St

Oakland, CA 94607

Owner Financed Property
Multifamily for Sale
$1,360,961 CAD
4,816 SF

Oakland Multifamily for Sale - Oakland-Downtown

Extra Large 4,816 square foot 4-unit apartment complex near Downtown Oakland with strong current income and excellent rental upside. Seller financing is available with excellent terms! The unit mix is ideal and offers one 3bd/1bth unit, two 2bd/1bth units, and one studio unit. The top-story, 2bd/1bth unit, will be delivered vacant at close of escrow, making a perfect opportunity for an owner-occupant. The property is separately metered for water and PG&E providing for low annual operating expenses. The building is occupied with nice, professional tenants that are easy to manage. The exterior and interior are in great condition with no deferred maintenance resulting in an attractive turn-key investment for the next owner. The units have been remodeled with newer kitchens, bathrooms, hardwood floors, custom lighting, in-unit washer dryers, a new roof, and a nice backyard area. This is a perfect opportunity for owner-user looking to occupy one or more units or an investor seeking great cash flow on a quiet block near downtown Oakland. This is a high-demand location walking distance to all the restaurants, coffee shops, and jobs in Downtown Oakland. This location is extremely convenient and is near multiple BART stations with immediate access to HWY980, HWY880, and HWY580 providing for short commute to San Francisco, Berkeley, and other areas in Oakland. ****EMAIL DAVID@PINZAGROUP.COM FOR A COMPLETE MARKETING PACKAGE.

Contact:

Pinza Group

Property Subtype:

Multi Family

Date on Market:

2025-10-02

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1682 Oxford St

Berkeley, CA 94709

Owner Financed Property
Multifamily for Sale
$2,530,430 CAD
2,396 SF

24 Hour Access
Controlled Access
Kitchen

Berkeley Multifamily for Sale

The Pinza Group presents 1682 Oxford St in the heart of Berkeley, This standout property includes two 2- bedroom, 1-bath apartments and two 1- bedroom, 1-bath apartments, each approximately 600 square feet, boasting modern renovations and stylish finishes. Plus, each unit is separately metered for gas and electricity, with upgraded electrical and plumbing systems already in place! Prime location near UC Berkeley, vibrant Downtown Berkeley, and top-notch cafes, restaurants, and transit options, this property is perfectly positioned for significant income growth and appreciation. North Berkeley is one of the most sought-after neighborhoods in East Bay, located along the northern border of the University of California, Berkeley. Renters with fur babies will enjoy the proximity to various parks, including Live Oak Park and Ohlone Dog Park. The neighborhood is a hub for entertainment and gourmet dining, boasting a myriad of eateries that cater to diverse taste palates. North Berkeley is also home to the Berkeley Art Center, a focal point for artistic exploration and community building. Positioned just north of Downtown Berkeley, six miles north of Downtown Oakland, and 14 miles northwest of San Francisco, North Berkeley offers an easy commute to these vibrant cities.

Contact:

Pinza Group

Property Subtype:

Apartment

Date on Market:

2025-08-05

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More details for 2327-2329 San Pablo Ave, Oakland, CA - Multifamily for Sale

Seller Financing Available?|?$60K Per Unit - 2327-2329 San Pablo Ave

Oakland, CA 94612

Owner Financed Property
Multifamily for Sale
$1,908,081 CAD
17,140 SF

Controlled Access

Oakland Multifamily for Sale - Oakland-West

Qualified investors are offered the rare opportunity to purchase or master lease 2327 San Pablo Avenue in Oakland, California. This fully renovated commercial property includes 22 single-room occupancy (SRO) units and one large retail space, making it an ideal asset for both local and regional investors seeking long-term income and value growth in a high-demand market. Extensive recent upgrades include new dual-pane windows, roof coating, major structural stabilization, remodeled bathrooms, a full fire sprinkler system with fire doors and a fire escape, upgraded copper plumbing with pressure relief valves, sewer lateral compliance, keyless entry hardware throughout, new LED lighting, modern heaters, and CAT6 and coaxial data lines installed in every unit. Seller financing is available at 6.5% interest-only with no points, providing attractive terms and lowering upfront costs for qualified buyers. Alternatively, a master lease structure is available, offering operational control without full acquisition. With a motivated seller and a turnkey asset in a strategic Oakland corridor, 2327 San Pablo Avenue presents a compelling opportunity to secure a stabilized, income-generating property with substantial capital improvements and strong upside potential. Disclosures: https://app.disclosures.io/link/2327-San-Pablo-Avenue-prc8vxe0 Virtual Tours: • 3rd Floor: https://my.matterport.com/show/?m=tM1AWdkAYct • Unit 300: https://my.matterport.com/show/?m=MkNsDyBxuQc • Unit 301: https://my.matterport.com/show/?m=KB53QjWUHWa • Unit 302: https://my.matterport.com/show/?m=KidYcBycpij OFFERS DUE: Offers will be reviewed upon receipt. Submit Offers Here: https://app.disclosures.io/link/2327-San-Pablo-Avenue-prc8vxe0

Contact:

CPG | Commercial Property Group

Property Subtype:

Apartment

Date on Market:

2025-07-28

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More details for 537 Chester St, Oakland, CA - Multifamily for Sale

Duplex - Seller Financing Available - 537 Chester St

Oakland, CA 94607

Owner Financed Property
Multifamily for Sale
$923,265 CAD
1,484 SF

Oakland Multifamily for Sale - Oakland-West

This well-located duplex presents an excellent investment or owner-user opportunity, with attractive seller financing terms available. One unit will be delivered vacant, offering two spacious bedrooms, one bathroom, a dedicated laundry room, and an open-concept kitchen and living area. Situated on an oversized lot, the property offers ample space and potential for future ADU development (buyer to verify). Ideally located directly across from the West Oakland BART Station, this property provides unbeatable access to downtown Oakland, San Francisco, and the greater Bay Area — perfect for commuters and tenants alike. PLEASE EMAIL CONNOR@CAPSTONE-PROPS.COM FOR A COMPLETE MARKETING PACKAGE AND TO SCHEDULE A TOUR

Contact:

Capstone Real Estate Advisors, INC.

Property Subtype:

Apartment

Date on Market:

2025-07-08

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Owner Financed Properties For Sale

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