# 380 Dolores St, Apt 9 · The Rent Hacker > Underwriting record for 380 Dolores St, Apt 9 (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-fhkd2y/380-dolores-st-apt-9/ Source: The Rent Hacker (https://therenthacker.com/). License: RSL, attribution required — https://therenthacker.com/license.xml --- Rejected # 380 Dolores St, Apt 9 This one never reached the math. What stopped it is below. 94110 · San Francisco the verified listing record is filed under ZIP 94114, our listing feed says 94110 — ZIP disagreement (listing-feed ZIP error)tenancy-in-common Underwritten as of 2026-08-18 · record v11 **Published at our defaults:** House-Hack wins by $347,530 · S&P breakeven 15.3% first-pass screen B B — the S&P 500 would need 13–17% a year, every year for a decade, to tie. [Run your own numbers on any building →](/calculator/) This record was published before we began recording the mortgage rate behind each verdict, so it cannot be re-run at your numbers. ## Why we rejected it - the verified listing record is filed under ZIP 94114, our listing feed says 94110 — ZIP disagreement (listing-feed ZIP error) - tenancy-in-common Rejected when we checked the listing itself. ## Property facts Asking price $246,000 Units 1 Beds / baths 2 / 1 Square feet 648 Year built 1905 Property type Single Family Unit count: unverified No source we checked states how many rentable units this building has. We modeled 1, the fewest consistent with the listing, and every number on this page rides on it. Nearby projects on our catalyst watch: - Market & Octavia Plan area — Castro gateway (Market St, Buchanan→Church→Castro reach) · 0.3 mi · open today - 16th St Mission BART · 0.4 mi · open today - N-Judah / J-Church rail confluence (Duboce & Church / Church St corridor) · 0.4 mi · open today From the 2026-08-18 screen: 400 scanned · 34 beat the S&P at our defaults · 366 rejected. ## If the market turns Modeled appreciation is an assumption, so we replayed this deal against history: every 10-year window in the federal house-price index for San Francisco County (41 windows), each one swapping its actual price path in for our modeled appreciation. History replay Years Ends vs the never-buy path Worst window 2002→2012 +$278,415 Median window 1984→1994 +$500,322 Best window 1979→1989 +$881,831 None of the 41 windows ended behind the never-buy path. Replay the 2001 downturn as it hit this area and the deal ends year 10 $109,931 behind the never-buy path; the deepest point comes in year 10, $109,931 behind. The replay holds rent growth to the local legal cap the whole way down. These windows track San Francisco County as a whole. Within the county, individual ZIPs' realized 10-year outcomes typically differed from the county's by about ±0.6 points/yr — one zip-decade in ten differed by ±1.8 points/yr or more, and the largest gap since 1975 was 7.4 points/yr. A specific building varies more than its ZIP, not less. ## Where these numbers come from Of the 11 inputs behind this analysis, 3 trace to evidence (our listing feed, area comps, county records); 1 rests on the fewest units the evidence allows. - **Purchase price**: an unclassified source · no independent witness - **Rent while you live in one unit**: a standing area-research rule · single source - **Rent after you move out**: a standing area-research rule · single source - **The rent you would pay on the never-buy path**: an unclassified source · no independent witness - **Property tax rate**: an unclassified source · no independent witness - **Unit count**: the fewest units the evidence allows · no independent witness A standing convention is a deliberate modeling choice we apply to every deal. We flag it rather than dress it up as evidence. ## 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=380%20Dolores%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 v11 · engine aafb236 · profile fha-house-hack Next ## This is one row of the San Francisco board. The run of August 18, 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) In our guide to house hacking San Francisco: [Mission / Bernal Heights (94110)](/house-hacking/sf-mission-bernal-94110/) · [San Francisco guide](/house-hacking/san-francisco/)