With both units vacant at close, the new owner captures full market-rate upside from day one. Set your own rents, choose your own tenants, and step into a clean asset with zero lease-in-place constraints. The upper floor delivers a spacious six-room full-floor flat with two bathrooms — ready for a premium tenant or an owner-occupier who wants to offset carrying costs with commercial income below. The ground-floor commercial space comes with built-in momentum: an established car insurance operator is ready to lease under new ownership, offering a low-friction path to immediate cash flow. Out back, a private yard and bonus structure — rare for this part of the city — opens options as a yoga studio, creative workspace, or private office, giving this building a compelling edge when marketing to tenants. Situated at the junction of Bernal Heights, the Mission, and Noe Valley, the property sits in one of SF's most consistent residential-commercial corridors — proven foot traffic, strong tenant demand, and neighborhood fundamentals that hold.