San Francisco Bay Area · Free
Every San Francisco house hack, run head-to-head against the S&P 500.
Every multi-unit and room-rental-viable listing in the Bay Area's top house-hack ZIPs. 10 ranked by wealth margin over 10 years vs. VOO. Cautious rent estimates. Named growth catalysts. Every number auditable. One inbox. Free.
- Every multi-unit and room-rental-viable listing in the Bay Area's top-ranked house-hack ZIPs
- 10 deals ranked by 10-year wealth margin vs. VOO
- Sensitivity tables on every top deal — cautious, expected, best case
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The method
Here's how we do it.
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Scan
Every week we pull every multi-unit and room-rental-viable listing in the Bay Area ZIPs where the house-hack math still has a chance — the ones with funded transit, real redevelopment capital, and entry prices low enough for owner-occupied financing.
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Model
Every deal goes through the same model. Cautious rents from documented comps. Real vacancy. Real CapEx reserves. Real property-management load. Real tax treatment. No invented numbers.
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Benchmark
The same down payment goes into VOO for the same timeframe. Both sides taxed. The wealth margin is reported in dollars, not percentages. If the deal can’t beat the index, it doesn’t get ranked.
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Rank
Top 10 by wealth-vs-VOO over 10 years, with sensitivity tables showing cautious, expected, and best-case rents. The #1 pick is the deal whose cautious case beats the index by the widest margin.
Read this before you subscribe
This report works for a very specific reader. Be honest about whether that’s you.
Subscribe if…
- You have capital parked in VOO or a HYSA and want to see the specific Bay Area addresses where a leveraged house hack actually beats the index over 10 years.
- You want cautious rents, named growth catalysts, and every number sourced. Not a spreadsheet with your name typed on top.
- You’re willing to owner-occupy for two or three years — if the math wins on a real deal, not a template.
- You can handle “sometimes VOO wins” as long as the issue says so on line one.
Skip it if…
- You’re not shopping the SF Bay Area. Every address we rank is in SF or the East Bay — we’re not widening the radius to keep your subscription.
- You want a deal delivered ready to sign. This is a research report, not a brokerage.
- You can’t owner-occupy for at least a year. Without it, the 10-year math stops beating VOO.
- You need guarantees. Some weeks none of the 10 picks beat VOO on paper — and the issue says so on line one.
Questions
Short answers.
- Why free?
- Because we’re building a readership of skeptical, analytical investors first. All we’re asking for is your email — there’s nothing to buy.
- Why only San Francisco?
- Because one metro done excellently beats five done poorly. SF and the East Bay also have the widest gap between "guru says buy" and "the actual 10-year math vs. VOO" — which is where we live.
- Is this investment advice?
- No. We show our assumptions, our sensitivities, and our math. You run your own due diligence. Nothing in the report is a recommendation to buy, sell, or borrow.
- What if I hate it?
- One-click unsubscribe at the bottom of every issue. No sales calls, no follow-up, no dark patterns.