Notes from Kevin, the Founder of Dealsletter:
We’re heads down building out the Dealsletter MVP — the platform version of what you’re already reading here. The goal: real-time deal dashboards, AI analysis, and alerts tailored to you. I’ll keep dropping updates as we ship, but if you want to see the behind-the-scenes in real time, I’m sharing the full build journey on X!
📲 X (Twitter): @kdogbuilds
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We’re getting ready to launch the beta of our investment platform—built to help you find and analyze deals faster than ever.
As a subscriber, you’ll get first access on day one.
👉 Want to stay in the loop during development?
Follow us on X for behind-the-scenes updates, sneak peeks, and live launch alerts.
📍 Address: 939-941 S 7th St, San Jose, CA 95112
💰 Price: $1,095,000
🏠 Units: 4 Units
🏦 Monthly Cost: $1,428 | Market Rent Savings: $772/month
Live rent-free in Silicon Valley while THREE tenants pay your entire mortgage! This well-maintained 4-plex offers massive rental income while you live in one of the 1BR units. With just 5% down and $92k qualifying income, you're paying only $1,428/month to live in San Jose (vs $2,200 market rent) while building $75k+ wealth annually. When you move out, immediate positive cash flow of $772/month with optimization potential to $3,200+/month with ADU addition.
This is the HOLY GRAIL of house hacks - you live cheap, save money monthly, build equity, AND have positive cash flow when you move out.
Financed Terms (Conventional) | |
---|---|
Loan Type | 30-year, Amortizing |
Interest Rate | 6.75% (owner-occupied) |
Loan to Cost | 95% |
LTV | 95% |
Financing Of | Price (95%) |
Loan Amount | $1,040,250 |
PMI | $260/month |
House Hack Analysis | |
---|---|
Purchase Price | $1,095,000 |
Down Payment | $54,750 |
Monthly P&I + PMI | $7,008 |
Property Tax | $1,140/month |
Insurance | $300/month |
Maintenance Reserve | $300/month |
Total Housing Cost | $8,748/month |
Rental Income (3 units) | $7,470/month |
Your Monthly Cost | $1,278/month |
Year | Principal Paydown | Appreciation (5%) | Tax Benefits | Total Wealth |
---|---|---|---|---|
Year 1 | $11,040 | $54,750 | $3,000 | $68,790 |
Year 2 | $11,760 | $57,488 | $3,000 | $72,248 |
Year 3 | $12,540 | $60,362 | $3,000 | $75,902 |
Year 5 | $14,400 | $67,156 | $3,000 | $84,556 |
5-Year Total | $65,000 | $301,000 | $15,000 | $381,000 |
True Monthly Cost After Wealth Building:
Gross Cost: $1,278
Less Wealth Building: -$5,732
Net Benefit: +$4,454/month
Strategy | Timeline | Monthly Cash Flow |
---|---|---|
Move Out (Current Rents) | Year 2+ | +$772/month |
Optimize Rents | Ongoing | +$1,602/month |
Add ADU (0.15 acre) | Year 3-4 | +$3,272/month |
Short-Term Rental Mix | Year 2+ | +$1,722/month |
Income Qualification:
Required Annual Income: ~$92,000
Much easier than expected for Silicon Valley!
📍 Address: 160 Wawona St, San Francisco, CA 94127
💰 Price: $2,050,000
🏠 Units: Single Family
🏦 ROI: 444% | ARV: $3,600,000
Off-market historic home with MASSIVE profit potential! This 4BR/5BA, 3,198 SF property offers $909k profit based on premium West Portal comps. Forest Side comparable at $1,247/sf validates conservative $3.6M ARV with upside to $4M. The 5 bathrooms and original 1920s character create irreplaceable value in SF's premium family neighborhood.
This is a GRAND SLAM flip with institutional-quality profit margins.
Hard Money Terms | |
---|---|
Loan Type | Interest-Only, 1 Year |
Interest Rate | 10.45% |
Loan to Cost | 90% |
LTV | 51.4% |
Financing Of | Price (90%), Rehab (100%) |
Investment Metrics | |
---|---|
Purchase Price | $2,050,000 |
Rehab Budget | $250,000 (luxury finishes) |
Down Payment | $205,000 |
Total Project Cost | $2,300,000 |
Monthly Interest | $16,057 |
Holding Costs (6 months) | $100,460 |
ARV | $3,600,000 |
Net Profit | $909,640 |
ROI | 444% |
Recent Sale | Distance | Price | Price/SF |
---|---|---|---|
109 Forest Side | 0.06 mi | $3,850,000 | $1,247/sf |
245 Santa Clara | 0.33 mi | $4,050,000 | $1,362/sf |
68 Madrone | 0.11 mi | $3,435,000 | $1,231/sf |
1416 7th Ave | 0.50 mi | $3,750,000 | $1,147/sf |
Conservative Target: $1,125/sf × 3,198 = $3,600,000 Realistic Target: $1,188/sf × 3,198 = $3,800,000 Aggressive Target: $1,251/sf × 3,198 = $4,000,000
ARV | Net Profit | ROI |
---|---|---|
$3,600,000 (Conservative) | $909,640 | 444% |
$3,800,000 (Realistic) | $1,109,640 | 541% |
$4,000,000 (Aggressive) | $1,309,640 | 639% |
Key Value Drivers:
5 bathrooms (rare differentiator)
3,198 SF (large for area)
Original 1920s character
Forest Side adjacent location
Premium West Portal address
In 2010, a Grammy-winning artist passed on investing $200K in an emerging real estate disruptor. That stake could be worth $100+ million today.
One year later, another real estate disruptor, Zillow, went public. This time, everyday investors had regrets, missing pre-IPO gains.
Now, a new real estate innovator, Pacaso – founded by a former Zillow exec – is disrupting a $1.3T market. And unlike the others, you can invest in Pacaso as a private company.
Pacaso’s co-ownership model has generated $1B+ in luxury home sales and service fees, earned $110M+ in gross profits to date, and received backing from the same VCs behind Uber, Venmo, and eBay. They even reserved the Nasdaq ticker PCSO.
Paid advertisement for Pacaso’s Regulation A offering. Read the offering circular at invest.pacaso.com. Reserving a ticker symbol is not a guarantee that the company will go public. Listing on the NASDAQ is subject to approvals.
📍 Address: 4834-44 Lantana Dr, San Diego, CA 92105
💰 Price: $1,260,000
🏠 Units: 6 Units
🏦 Cap Rate: 5.60% Current | 7.97% at Market + Seller Financing Available
City Heights value-add opportunity with 30% rent upside AND seller financing available! This 6-unit property on a massive 12,584 SF lot offers below-market rents, storage income potential, and proximity to SDSU. Currently negative cash flow transforms to $22,968 annual profit with market rents, while the huge lot provides ADU development potential for $60k+ annual income.
The seller financing option makes this even more attractive with below-market rates.
Financed Terms (Conventional) | |
---|---|
Loan Type | 30-year, Amortizing |
Interest Rate | 7.25% |
Loan to Cost | 75% |
LTV | 75% |
Financing Of | Price (75%) |
Loan Amount | $945,000 |
Current Performance | |
---|---|
Purchase Price | $1,260,000 |
Down Payment | $315,000 |
Current Monthly Income | $8,994 |
Operating Expenses (32%) | $2,840/month |
Current NOI | $5,885/month |
Loan Payments | $6,450/month |
Current Cash Flow | -$565/month |
Unit Type | Current Rent | Market Rent | Monthly Upside |
---|---|---|---|
2BR Units (2) | $1,782 each | $2,200 each | +$836 total |
1BR Units (4) | $1,345 each | $1,879 each | +$2,136 total |
Storage/Laundry | $50 | $550 | +$500 |
Total Monthly Increase | +$3,472 |
Market Rent Performance:
New Monthly Income: $12,466
New Annual Income: $149,592
New NOI: $100,367
New Cash Flow: $1,914/month
New Cash-on-Cash: 7.3%
Strategy | Investment | Annual Income | ROI |
---|---|---|---|
Storage Monetization | $1,000 | $7,200 | 720% |
Parking Revenue | $500 | $4,500 | 900% |
Laundry Upgrade | $5,000 | $3,600 | 72% |
ADU Development (2 units) | $300,000 | $52,800 | 18% |
Seller Financing Option:
20% down: $252,000
Seller carries: $1,008,000 at 6.5%
Better cash flow + easier qualification
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