# 855 Folsom St, Apt 742 · The Rent Hacker > Underwriting record for 855 Folsom St, Apt 742 (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-htcck6/855-folsom-st-apt-742/ Source: The Rent Hacker (https://therenthacker.com/). License: RSL, attribution required — https://therenthacker.com/license.xml --- Rejected # 855 Folsom St, Apt 742 This one never reached the math. What stopped it is below. 94107 · San Francisco BMR deed restriction (no appreciation, room-rental barred) Underwritten as of 2026-08-18 · record v10 **Published at our defaults:** House-Hack wins by $305,904 · S&P breakeven 14.5% 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 - BMR deed restriction (no appreciation, room-rental barred) Rejected when we checked the listing itself. ## Property facts Asking price $381,000 Units 1 Beds / baths 2 / 1 Square feet 838 Year built 2001 Property type Condo Unit count verified: 1 units, corroborated by county assessor records and the listing itself. Nearby projects on our catalyst watch: - SoMa AI cluster (OpenAI / Anthropic / startups) · 0.1 mi · open today - Downtown conversion core (DRFD / 30x30), adjacent east · 0.4 mi · funded - 4th & King Caltrain station + future DTX terminus · 0.6 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 +$270,549 Median window 1985→1995 +$456,119 Best window 1975→1985 +$1,007,754 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 $125,761 behind the never-buy path; the deepest point comes in year 8, $163,976 behind. 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). - **Purchase price**: an unclassified source · corroborated - **Rent while you live in one unit**: a standing area-research rule · single source - **Rent after you move out**: an unclassified source · no independent witness - **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**: county assessor records · corroborated 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=855%20Folsom%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 v10 · 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: [Potrero Hill / Dogpatch / Pier 70 (94107)](/house-hacking/sf-potrero-dogpatch-94107/) · [San Francisco guide](/house-hacking/san-francisco/)