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2 viewsTCM-98648

3 Bed, 2 Bath Home in Daly City, CA — Creative Subject-To Financing

3223 San Jose Avenue, Daly City, CA 94014
Other Creative OptionsPrimary offer

Monthly payment (approx.)

~$3,628

Down payment

$350,000

38.93% down

Asking price

$899,000

Seller's stated requirements

Credit score 640+Income verification required

Financing terms

Interest rate
On inquiry
Term
10 years

Property

Type
Single-family home
Bed / bath
3 bd · 2 ba
Square feet
1,160 sqft
Year built
1938
Lot size
0.046 acres (2,004 sq ft)

$3,627 (PITI) as a subject-to / maturity 1/1/2037

About this property

INVESTOR OPPORTUNITY JUST BLOCKS FROM SAN FRANCISCO! Priced for action, this Daly City Spanish Revival is ready for investors, contractors, or visionary buyers. The previous owner began updates and customizations on the upper level, but the property remains a work in progress and will require substantial additional renovation. The home currently has 3 bedrooms and 2 baths, an upstairs galley kitchen, a generous garage, multiple storage rooms, and a private backyard. With the right improvements, the existing footprint and lower level may offer potential for future expansion or ADU use, subject to buyer investigation and City approval. The possibilities are many! The location is a major part of the appeal. Set near Mission Street and just blocks from the San Francisco line, the property offers convenient access to San Francisco, the Peninsula, BART, Muni, SamTrans, I-280 and US-101, with San Francisco State University, City College of San Francisco and major Bay Area employment centers within easy reach. Whether this is your first renovation project or another addition to an established portfolio, this property offers meaningful value-creation potential in a highly connected location. Due to its current condition, the property is not conventionally financeable and is best suited for cash, hard money, or a potential cash-to-primary loan via a subject-to/wraparound structure involving existing financing. Property is sold as-is, where-is.

3D tour

Provided by the seller. We don’t verify tours — see the property in person before you buy.

Listed by Roddy de la Garza

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Last updated Oct 20, 2026. Something off? .

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