Evaluated
950 Loomis Ct
Ahead of renting and index funds on our cautious numbers. Whether it has enough room to pass our bar wasn't measured here.
94606 · East Bay
Underwritten as of 2026-08-26 · record v2
Published at our defaults: House-Hack wins by $66,119 · S&P breakeven 10.7% · crash floor 1.3% full underwriting, cautious case
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This record was published before we began recording the mortgage rate behind each verdict, so it cannot be re-run at your numbers.
The three cases
| Conservative | Base | Optimistic | |
|---|---|---|---|
| Verdict | House-Hack | House-Hack | House-Hack |
| Margin vs the S&P path | +$66,119 | +$241,407 | +$448,538 |
| Rent while you live in one unit | $1,750/mo | $1,950/mo | $2,200/mo |
| Rent after you move out | $3,500/mo | $3,900/mo | $4,400/mo |
| Modeled appreciation | 2.5%/yr | 4.0%/yr | 5.5%/yr |
| Repairs allowance | $15,000 | $8,000 | $0 |
| S&P breakeven | 10.7% | 12.5% | 14.3% |
| Crash floor | 1.3% | -0.6% | -3.3% |
| Wealth at year 10 | $1,312,971 | $1,488,259 | $1,695,390 |
| If you sold at year 10 | $1,284,169 | $1,454,954 | $1,656,957 |
Conservative leads; base and optimistic are the accompanying range, never the headline. Margin is vs. investing the same money in the S&P 500; the S&P breakeven is the yearly stock return that would tie it, and the crash floor is the yearly appreciation below which the deal loses. Wealth at year 10 counts home equity at full value; the sold line subtracts selling costs.
Property facts
| Asking price | $450,000 |
|---|---|
| Units | 2 |
| Beds / baths | 3 / 2 |
| Square feet | 1,694 |
| Year built | 1912 |
| Property type | Multi-Family |
| Days on market | 78 |
| Neighborhood | Eastlake |
| Strategy lane | duplex |
| Nearest catalyst | Brooklyn Basin master plan (0.43 mi) |
| Modeled appreciation | 4.0%/yr |
duplex — Eastlake · 0.43 mi from Brooklyn Basin master plan.
Nearby projects on our catalyst watch:
- Foon Lok East / 465-unit Brooklyn Basin affordable total · 0.4 mi · open today
- Brooklyn Basin master plan (64-acre waterfront, ~3,100 units + 200k sqft commercial + ~32 acres parks) · 0.4 mi · under construction
- Brooklyn Basin senior-housing parcel · 0.5 mi · under study
From the 2026-08-26 screen: 75 scanned · 23 beat the S&P at our defaults · 52 rejected; this one ranked #20.
Where these numbers come from
Of the 12 inputs behind this analysis, 5 trace to evidence (our listing feed, area comps, county records); 3 are standing conventions; 3 are derived from other inputs.
- Purchase price: our listing feed · single source
- Rent while you live in one unit: area rent comps and research bands · single source
- Rent after you move out: derived from other inputs here · single source
- The rent you would pay on the never-buy path: area rent comps and research bands · single source
- Property tax rate: our listing feed · 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.
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Record v2 · engine aafb236 · profile fha-house-hack