Here are the numbers behind the numbers:

■ Median rent for a 2BR in San Francisco is $4,400.

■ That covers monthly mortgage payments (principal and interest) on a home that costs $1,066,000 with just 10% down (with no mortgage insurance)

■ Mortgage is a 7/1 ARM* at an interest rate of 3.62% (3.284%* APR)

At the time of writing, here are the homes that came up:

163 Monterey Blvd (Sunnyside)
3 beds / 2 baths / 1,476 sq. ft.
Price: $1,049,000
Monthly mortgage: $4,303

SF_Mont_Collage.jpg

This 1939 home is 3 blocks from the BART, has a full dining room, tons of light, and a huge deck with a view. The garage parks one but is massive, including a washer-dryer.

668 Hillgirt Circle (Oakland, Cleveland Heights)
5 beds / 4.5 baths / 3,700 sq. ft.
Price: $998,000
Monthly mortgage: $4,094

SF_Hill_Collage.jpg

This Haddon Hill home is right near Lake Merritt, BART, and has two full kitchens with tons of bedrooms and bathrooms for turning it into an income property.


1588 Waller St. (Haight-Ashbury)
2 beds / 1 bath / 1,070 sq. ft.
Price: $849,000
Monthly mortgage: $3,483

SF_Waller_Collage.jpg

Here's an Edwardian condo two blocks from Golden Gate Park. It has a gorgeous kitchen and bathroom, plus in-unit laundry.


1213 Scott St. (Western Addition)
3 beds / 1.5 bath / 1,439 sq. ft.
Price: $875,000
Monthly mortgage: $3,589

SF_Scott_Collage.jpg

This Victorian has high ceilings, giant windows, and gorgeous French doors that open onto a 100% private yard.


288 3rd St. #214 (Oakland, Jack London Square)
2 beds / 2 baths / 1,278 sq. ft.
Price: $775,000
Monthly mortgage: $3,179

SF_3rd_Collage.jpg

This condo has custom tile flooring, a great kitchen, and a 200+ sq. ft. private patio, one of only 5 units out of 92 with that feature.

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This post is a sponsored collaboration between SoFi and Gothamist staff.

SoFi Lending Corp. NMLS # 1121636. Terms and conditions apply. See SoFi mortgage eligibility and licensing details here.

*Calculations on this page are for illustrative purposes only. Terms and conditions apply. Loans valid for purchase of an owner occupied, single family residence or second home. The 7/1 ARM SoFi rate listed is the lowest-available rate for a 10% down loan as of 11/11/2015. Not all borrowers will qualify. Annual Percentage Rate (APR) calculations assume $3,000 in APR-related closing costs considered prepaid finance charges on a loan amount of $600,000, which is about the average price of the 5 homes mentioned above. Rates and APRs assumes borrower has high earnings and excellent credit history. Higher rates, APRs, and monthly payments may apply. At the end of 84 months the interest rate and monthly payment for the 7/1 ARM adjusts. At adjustment the new mortgage rate will be the average of the Interbank offered rates for one-year, U.S. dollar-denominated deposits in the London market (LIBOR) as published in The Wall Street Journal, plus a margin of 2.25% subject to annual and lifetime adjustment caps. Monthly payments include principal and mortgage interest, and exclude property tax, homeowners insurance, and homeowners association fees.