Not sure what you’re bringing to the table beyond willingness.

Check out this table: https://www.municode.com/library/ca/oakland/codes/...This is what you're looking for: https://www.screencast.com/t/Xkyp3OZWkI Oakland, for a building with 3 units or more you need to have a lot sized at 7,500 sq ft.  --- From the zoning code it says, an RM-2 zoned lot can have "1 unit per 2,500 sf. of lot area"If you don't meet that lot size requirement you'll need to make a request for a variance, then post notice about the desired change in front of the building.

I remember a saying someone told me a couple of decades ago that convey's to real estate investing: "If you've been sitting at the poker table for 15 minutes and you can't figure out who the patsy is, you're the patsy!"

Yes, I know sometimes sellers bring money to the table to close- based on condition, liens, etc - but as a general rule- this helps. 

1) are you paying down more than $400, if so you are making money, but if you put down a large downpayment you’re not getting a good return m2) do an amortization table at 30 years.

@Paige Gardner it depends on the person. hml are my last resource, it's a option for sure. 75% too high for me. that's the game for them, that's how they make its money. don't take it off the table but definitely explore ur options. 

If you do not have job or another sufficient source of stable, reliable income, then you'll need a coborrower with good income to be joint on the loan with you to bring the income component to the table.

:I've learned, the good ones don't seem to ever make it to the open market (loopnet, crexi, etc)In my experience on all sides of the table I can confirm this is a very true axiom, that opportunities first get filtered through a Brokers internal buyer/sellers, and then through internal agents networks, and after that, hit the open market, most often. 

That would be “leaving money on the table.” 

I highly recommend considering the points Nathan has brought to the table while you are making your decision.