Hannah Davis has a heart of gold -- she gave some out-of-work guy the time of day and a cup of joe today in NYC.
The S.I. swimsuit hottie walked out of a coffee shop in the West Village with the guy ... who was dressed in ratty jeans and a t-shirt. She even allowed the idle dude to chat her up for a while.
Clearly, he has nothing to do with his time.
Hannah was also flaunting a ring on her left hand. It doesn't appear to be an engagement ring, but she probably just wants the guy to think she's taken.
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