House hack in Bay Area

[Wenqian Guo]

Hello!

Housing hacking seem like one way to be able to afford to live in Bay Area. I’m currently paying 2k+ per month for a tiny studio...would rather that money go towards my own mortgage instead ... I have around 200k saved up, and trying to pay as little as down payment as possible. Are there agents in Bay Area who can help me out on properties that are below 1 million..I’m a first time home buyer..I remember first time home buyer I can put down as little as 3% down payment???