Published pick
1196 Quesada Ave
94124 · San Francisco
Verified
Underwritten as of 2026-08-25 · record v11 · Board pick #5 · 2026-08-25
Published at our defaults: House-Hack wins by $317,562 · S&P breakeven 13.6% · crash floor 0.1% published conservative basis
Engine scenarios
| Scenario | Verdict | Margin | S&P breakeven | Crash floor |
|---|---|---|---|---|
| Conservative | House-Hack | +$317,562 | 13.6% | 0.1% |
| Base | House-Hack | +$738,118 | 17.2% | -1.5% |
| Optimistic | House-Hack | +$1,219,965 | 20.4% | -3.8% |
Conservative leads — base and optimistic are the accompanying range, never the headline. Margin is vs. investing the same money in the S&P 500.
Property facts
| Asking price | $1,188,000 |
|---|---|
| Units | 3 |
| Beds / baths | 9 / 3 |
| Square feet | 3,500 |
| Year built | 1919 |
| Property type | Multi-Family |
| Days on market | 104 |
| Neighborhood | Hunters Point Hill / HPS Phase 1 |
| Strategy lane | Live in one unit, rent the other two |
| Nearest catalyst | HPS Phase 1 Hilltop (0.32 mi) |
| Modeled appreciation | 4.0%/yr |
From the 2026-08-25 screen: 71 scanned · 15 beat the S&P at our defaults · 56 rejected — this one ranked #5.
Why it made the board
Nine bedrooms across three units at $1,188,000, the cheapest per-bedroom entry on this board at about $132,000 a bed. Two rented units bring $3,992/mo while you live in the third, rising to $10,128/mo once you move out. It sits 0.32 mi from the Hunters Point Shipyard Phase 1 footprint, so budget real money for the environmental read: the shipyard is a federal cleanup site and nearby parcels carry liquefaction and flood exposure. Even carrying that, the deal holds as long as home values grow at all.
The play
Live in one unit, rent the other two.
Financing basis: Owner-occupied at 3.5% down.
Tenant pool
UCSF Mission Bay staff and trainees / Biotech commuters (UCSF Mission Bay, ~2.5 mi via T-Third)
Rent basis
- Hack phase (you occupy one unit): $3,992/mo
- Full rental (after move-out): $10,128/mo
Your numbers
This property’s published facts are already loaded. Adjust the inputs that are about you and the verdict recomputes right here — nothing is sent or saved.
Ours: $2,900/mo — the biggest lever, ~25× the whole down-payment range.
Ours: 0 (pre-tax) — the same basis as the published verdict.
Ours: 10-year hold.
Ours: 3.5% (FHA floor) — changes affordability, barely the economics.
Ours: $250,000 default — day-one capital for either side of the comparison.
House-hack wins by $317,562
Currently at our published defaults — adjust any field to make it yours · S&P breakeven 13.6%/yr · same engine as the published verdict.
Record v11 · engine.cjs@aafb236 · profile fha-house-hack · publish-property-records.cjs@7