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San Francisco Seismic Retrofits

Financed Transactions



100% Financing and Passthrough

100% financing of your seismic retrofit up to 30 years with fixed interest rates and no balloon payment. San Francisco Rent Control Board allows 100% passthrough of PACE financing.


Include Soft Costs

Counterpointe Sustainable Real Estate can finance all soft costs including inspections, permits, design, financing and engineering costs.

ADU & Living Roofs

Living roofs, accessory dwelling units (ADUs), energy efficiency, renewable and water conservation improvements may be financed through our program.

Municipal Tax Assessment

PACE financing is a non-ad valorem (voluntary) tax assessment levied on the property to pay for an improvement that is repaid with your regular property tax bill.

Soft Story Retrofits

Seismic retrofit of soft-story buildings, defined as:

  • Wood frame construction (Type V)
  • Application of permit for original construction was prior to January 1, 1978
  • Five or more residential units
  • Two or more stories over a basement or underfloor area that has any portion extending above grade
  • A soft-story condition that has not been seismically strengthened.

    Four Easy Steps

     Start by completing a short form application online or give our team a call for assistance with your retrofit.

    Step One: Apply Online

    Property owners qualify for the program based on the equity in the property and certain underwriting criteria. Once the application is accepted, you will be able to create a web account. The web account includes information about the program, registered professionals in your area and resources such as guides to additional eligible water conservation or energy efficiency improvements.

    Step Two: Financial Approval

    After you upload the required documents for underwriting via your web account you will receive financial approval up to a maximum assessment amount. At this point you can select your engineer or contractor from our list of eligible registered professionals or ask your professional to apply to our program if they are not already approved.
    Financing is subject to financial and technical approvals and to entering into an assessment contract that will set forth the interest rate and other terms and conditions.

    Step Three: Technical Approval

    Technical approval involves developing the retrofit plan and submitting the plan to SFDBI for approval. Included in the process is submitting your engineer’s plans for an Earthquake Sensitivity Analysis (SEL Report). With these approvals, you can submit your contractor’s proposal for PACE technical approval of costs and any other improvements. You can then make arrangements to close your assessment and arrange the payment schedule.

    Step Four: Construction and Payments
    • The program can provide progress payments to your registered professionals and reimburse you for your expenses.
    • Soft costs of construction can be included in your financing: permits, inspections, design, financing costs, plans, etc.
    • A final assessment amount will be recorded at the tax collector’s office.
    • You will receive an additional line item on your regular property tax bill from the city for the assessment payment. payments are only made through your property tax bill.
    • Assessment can transfer to a new owner should you sell the property.

    Want to reduce utility bills or increase revenue with ADUs?

    From HVAC to solar, there are thousands of PACE eligible improvements you can make to your property. Take this opportunity to find ways to not only improve property safety, but also lower energy costs and increase the value of your property.