I. Scheff and Bros. is one of my favorite earthquake-era San Francisco postcard publishers (see Publisher: Scheff and Scheff Catalog). Many of their postcards show SF neighborhood life, like the mini-images in the novelty card below and the Mission District view in Scheff 88.
This novelty composite © 1906 by Scheff combines colored pictures of Cliff House/Ocean Beach/Sutro Heights and pre-quake City Hall with a fold-out containing six miniature b+w images. The first fold-out image, also on Scheff 91, shows former residences on Van Ness converted to stores, so the card must date from just after the earthquake/fire.
Steve's SF postcard pages: