Published pick
133-135A Saturn St
94114 · San Francisco
Verified
Underwritten as of 2026-08-25 · record v1 · Board pick #3 · 2026-08-25
Published at our defaults: House-Hack wins by $660,403 · S&P breakeven 17.9% · crash floor -1.4% published conservative basis
Engine scenarios
| Scenario | Verdict | Margin | S&P breakeven | Crash floor |
|---|---|---|---|---|
| Conservative | House-Hack | +$660,403 | 17.9% | -1.4% |
| Base | House-Hack | +$1,068,769 | 21.2% | -2.1% |
| Optimistic | House-Hack | +$1,559,451 | 24.3% | -3.1% |
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 | $1,595,000 |
|---|---|
| Units | 3 |
| Beds / baths | 3 / 3 |
| Square feet | 2,240 |
| Year built | 1900 |
| Property type | Multi-Family |
| Days on market | 6 |
| Neighborhood | Corona Heights / hillside interior |
| Strategy lane | Live in one unit, rent the other two |
| Nearest catalyst | Castro Muni Metro Station (0.46 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 #3.
Why it made the board
Six days on market for a $1,595,000 triplex where one unit is delivered vacant and the two tenanted units already pay $10,577/mo between them. You move into the empty one and the existing leases start covering the note immediately. Castro Muni Metro sits 0.46 mi downhill, and this deal still wins unless SF home prices fall more than 1.4% a year for ten straight years.
The play
Live in one unit, rent the other two.
Financing basis: Owner-occupied at 3.5% down.
Tenant pool
Tech and professional households / Hospital staff (CPMC Davies Campus, in-ZIP)
Rent basis
- Hack phase (you occupy one unit): $10,577/mo
- Full rental (after move-out): $12,953/mo
Published sensitivity bands
| Band | Rent | Wealth vs S&P |
|---|---|---|
| Cautious | $12,953/mo | +$660,403 |
| Expected | $13,453/mo | +$1,068,769 |
| Best case | $14,203/mo | +$1,559,451 |
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: $4,500/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 $660,403
Currently at our published defaults — adjust any field to make it yours · S&P breakeven 17.9%/yr · same engine as the published verdict.
Record v1 · engine.cjs@aafb236 · profile fha-house-hack · publish-property-records.cjs@7