You gotta do what every other long-term San Francisco resident did: Get a nice 2-3BR rent controlled apartment, then slowly become the sole tenant as roommates come and go. In 5-7 years time, the place will be way below market rate and you'll be ready to start a family. Then just shake your head and shrug your shoulders when newcomers complain how expensive it is.

*Yes, there's some sarcasm in there, but this is what San Franciscans have done since the 70's.