Recommended cash-flow list · House-hack scenarios

Source-supported recommendations

Audit date: 2026-10-19. Only 3 listings qualify from this review. Fewer than 25 meet the evidence standard, so we show the smaller set. Estimated/not source-reviewed inventory remains separately searchable below recommendations; unresolved or held inputs have a distinct section. The supported count is not a product limit.

Qualification requires a dated source for active listing status, price, current residential rent and 2–4 residential units. A confidence label or badge alone never qualifies a property. Evidence binds to exact saved source and model inputs. Build and refresh evaluate the original capture and input dates; rereading saved text never makes it newly verified. Evidence expires after 30 days and changed inputs downgrade eligibility.

Listing-stated rent is an attributed seller/agent claim. We have not verified leases, rent collection, legal unit permits or investment performance. Cash flow uses modeled financing and expenses; house-hack other-unit rent assumes equal shares of whole rent. Review taxes, insurance, repairs and unit rents before relying on those scenarios.

HUD rents are geographic program benchmarks, not this property's actual rent or a property-specific market appraisal. HUD-only and market/pro forma scenarios are outside recommendations. Mixed-use/commercial, storage, RV and boat income, missing or contradictory totals, stale evidence and changed asking prices also stay outside the recommended list.

The shared qualification gate controls both recommended pages and the generated newsletter/Substack shortlist. Cash-flow ordering applies within qualified listings; house-hack uses estimated owner cost within that same qualified universe. The separately labeled estimated section can contain underwriting estimates; it is not the recommendation feed.

Every qualifying candidate audited

Sources were read on 2026-10-19 through a public web reader. Source capture dates below preserve the reader's reported cache age; these are not claims of direct live page inspection. Saved input snapshot: 2026-10-01T16:00:08.957Z. Earliest evidence/input expiry across qualifying listings: 2026-10-31T16:00:08.957Z. An unchanged listing update date does not verify rent collection. Albany is now held: its current-source status and rent basis conflict with the earlier active page; occupancy and per-unit rents remain unproven.

Cash-flow rank / sourceSource-supported assumptionsDates and model
1. 1010 Lincoln Ave, Pittsburgh, PA, 15206duplex this fully rented duplex generates $3,650 per month in rental income Leases, collections and inspected occupancy not verified. No current per-unit rent schedule established; equal-share house-hack rent is hypothetical. Asking price matches input: $240,000.Listing updated 2026-09-14; captured 2026-10-19; reviewed 2026-10-19. Modeled cash flow $1,467/month. Expires 2026-10-31.
2. 3069 N Sherman Blvd, Milwaukee, WI, 53210four unit The property currently generates approximately $5,145 per month in rental income Listing broker schedule: advertised unit-type rents $1,250 + $1,245 + $1,250 + $1,400 total $5,145; not leases. Leases, collections and inspected occupancy not verified. Broker unit-type rents sum to $5,145; occupied count not established. Asking price matches input: $399,900.Listing updated 2026-09-11; captured 2026-10-19; reviewed 2026-10-19. Modeled cash flow $1,174/month. Expires 2026-10-31.
3. 2389 Tennessee St, Baton Rouge, LA, 70802fourplex With a total monthly income of $3,200, this property is fully occupied Leases, collections and inspected occupancy not verified. No current per-unit rent schedule established; equal-share house-hack rent is hypothetical. Public record style says single-family, MLS says quadruplex; same public page includes 2021 four-unit renovation permit. Legal status not resolved by this audit. Asking price matches input: $225,000.Listing updated 2026-09-15; captured 2026-10-19; reviewed 2026-10-19. Modeled cash flow $1,128/month. Expires 2026-10-31.

Previous top 25: disposition

All 25 prior leaders were screened from saved inputs. Nine public source pages were originally read; the four former featured picks were re-audited on October 19. Sixteen HUD-only rows lacked property-specific rent support without fresh full-page checks; these may remain estimated inventory, never eligible recommendations. We do not fill empty places with unreviewed listings.

Previous rank / listing sourceDecision / reason
1. 119 George St, Roxbury, MA, 02119Current source asking price differs from modeled saved price; no price overwrite.
2. 1206 N Park Western, San Pedro, CA, 90732Model uses $16,860/month. Listing actual monthly total is $8,163, while four displayed actual unit rents sum to $8,002. Current source conflicts require resolution; projected rents are separate.
3. 13980 NE 2nd Ct, Miami, FL, 33161Estimated only: HUD benchmark without current property-specific residential rent evidence.
4. 2765 W 8th, Los Angeles, CA, 90005Estimated only: HUD benchmark without current property-specific residential rent evidence.
5. 1605 W 87th, Los Angeles, CA, 90047Estimated only: HUD benchmark without current property-specific residential rent evidence.
6. 1817 73rd Ave, Oakland, CA, 94621Estimated only: HUD benchmark without current property-specific residential rent evidence.
7. 472 Hudson Ave, Albany, NY, 12203Held after 2026-10-19 re-audit: current Redfin reader versions disagree with the cached active MLS 202621496 page. Compass records that incarnation withdrawn on 2026-10-18; its active-version financial field labeled $5,200 rental income Estimated. Three residential units are a listing claim; occupancy and per-unit current rent are not demonstrated. Do not mix old sold-incarnation rents into this listing. Additional source
8. 724 E 32nd St, Los Angeles, CA, 90011Estimated only: HUD benchmark without current property-specific residential rent evidence.
9. 1010 Lincoln Ave, Pittsburgh, PA, 15206Qualified: dated residential rent and unit support.
10. 5953 S Denker Ave, Los Angeles, CA, 90047Estimated only: HUD benchmark without current property-specific residential rent evidence.
11. 3314 Farnam St, Oakland, CA, 94601Estimated only: HUD benchmark without current property-specific residential rent evidence.
12. 610 E 24th St, Los Angeles, CA, 90011Estimated only: HUD benchmark without current property-specific residential rent evidence.
13. 2124 NW 27th St, Miami, FL, 33142Estimated only: HUD benchmark without current property-specific residential rent evidence.
14. 3792 Angelo Ave, Oakland, CA, 94619Estimated only: HUD benchmark without current property-specific residential rent evidence.
15. 7013 Ramsgate Pl, Los Angeles, CA, 90045Estimated only: HUD benchmark without current property-specific residential rent evidence.
16. 1813 Cedar, Santa Ana, CA, 92707Estimated only: HUD benchmark without current property-specific residential rent evidence.
17. 50 S 60th St, Philadelphia, PA, 19139Three income-producing units comprise two residential apartments plus a commercial storefront. $4,100/month includes $1,700 commercial; residential-only sum is $2,400. No approved whole-property residential underwriting.
18. 2275 NW 30th St, Miami, FL, 33142Owner total includes RV setup and boat spaces; main home amount is rental potential. Only $2,300 apartment rent is clearly current; $7,900 is not supported whole-residential rent.
19. 759 Natoma St, San Francisco, CA, 94103Estimated only: HUD benchmark without current property-specific residential rent evidence.
20. 10926 Bancroft Ave, Oakland, CA, 94603Estimated only: HUD benchmark without current property-specific residential rent evidence.
21. 1820 International Blvd, Oakland, CA, 94606Estimated only: HUD benchmark without current property-specific residential rent evidence.
22. 3069 N Sherman Blvd, Milwaukee, WI, 53210Qualified: dated residential rent and unit support.
23. 506 - 512 W 42nd St, Savannah, GA, 31415Source says contingent since Oct 10. Four unit rents sum to $5,565 rather than saved $5,500; no active recommendation.
24. Los Angeles, CA, 90025Estimated only: HUD benchmark without current property-specific residential rent evidence.
25. 2389 Tennessee St, Baton Rouge, LA, 70802Qualified: dated residential rent and unit support.

Earlier correction records also exclude 545 El Roya (warehouse/storage/office income), 405 Pond (grocery income and prior vacant-unit rent), 5 E Saginaw and 53 NE 56th (saved price conflicts). Old paraphrases do not count as fresh source reviews.