# 2735-2737 Gough St · The Rent Hacker > Underwriting record for 2735-2737 Gough St (San Francisco): the published verdict at The Rent Hacker's defaults, plus a calculator that reruns it at your numbers. Canonical: https://therenthacker.com/property/rh-afn0gi/2735-2737-gough-st/ Source: The Rent Hacker (https://therenthacker.com/). License: RSL, attribution required — https://therenthacker.com/license.xml --- Evaluated # 2735-2737 Gough St At our cautious numbers, renting and putting the same money in index funds comes out ahead. It did not pass our bar. 94123 · San Francisco Underwritten as of 2026-09-15 · record v5 **Published at our defaults:** loses to the S&P, behind by $1,787,968 · S&P breakeven 0% first-pass screen [Run your own numbers on any building →](/calculator/) [Open these numbers in the calculator →](/calculator/#i=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) Every slider starts at this page's inputs; change any of them and the verdict re-runs at yours. ## Property facts Asking price $2,895,000 Units 2 Beds / baths 4 / 0 Square feet 3,634 Year built 1924 Property type Multi-Family Unit count: unverified A single source states 2 units; no independent record corroborates it. Treat the count as a claim, not a verified fact; every number on this page rides on it. ## Where these numbers come from Of the 10 inputs behind this analysis, 3 trace to evidence (our listing feed, area comps, county records); 2 are standing conventions; 1 is derived from other inputs. - **Purchase price**: our listing feed · single source - **Rent while you live in one unit**: an unclassified source · no independent witness - **Rent after you move out**: derived from other inputs here · single source - **The rent you would pay on the never-buy path**: an unclassified source · no independent witness - **Property tax rate**: local rent regulation · single source - **Unit count**: county assessor records · single source A standing convention is a deliberate modeling choice we apply to every deal. We flag it rather than dress it up as evidence. ## What we could not verify - How far these numbers could move: we run that spread only for the eight strongest properties in each ZIP, and this one was not among them. The cautious numbers above are the only ones we have for it. Members on a paid plan can request verification. ## Order the verified underwrite This page is our automated underwriting. Order the verified report and a person does the rest by hand: the live listing, the photos, the parcel's exact tax bill, the rents. The finished report publishes right here on this page, within one business day. [Underwrite this building — $79](/lookup/?address=2735-2737%20Gough%20St#underwrite) or [take the pass](/checkout/?tier=pass) at $49/mo and open every building that wins, the week it lists. ## Want this for an address you pick? Every week we underwrite this metro’s 2-4 unit listings against the S&P and publish the [whole board](/board/), with the reason on every one we rejected. [Or look up a specific San Francisco address](/lookup/) ## Want this analysis for another address? Any San Francisco address, underwritten the same way — cautious rents, the registry, the S&P line. [Underwrite an address →](/lookup/) A full report like this one, for an address you pick: Underwrite an address — $79, delivered within one business day. Record v5 · engine aafb236 · profile fha-house-hack Next ## This is one row of the San Francisco board. The run of September 15, 2026 put every two-to-four-unit listing in San Francisco through the same comparison. The rest of the board, losers and rejections included, is one page. [See the San Francisco board](/board/sf-proper/) [Underwrite one address for $79](/lookup/#underwrite) [Take the pass, $49/mo](/checkout/?tier=pass&r=sf)