I received a few comments.  

Thank you for your candid advice and comments 

Some of my comments are: 1) Do you know the current condition of the units?

Positive comments on cleanliness, communication, and location can often outweigh a star rating alone.6.

Your first comment regarding attending city commission meetings seems to indicate that you are referring to affordable housing under state statues (i.e income and other federal/state restrictions).  

@Johana I have not seen anyone comment to call your insurance company and open a claim with themIf the neighbor has a leak that could be impacted your property you will want to notify your insurance asap.

Okay gotcha thanks for that rude and unnecessary comment...

But if I am misreading your comment and you are able to navigate transactions on your own, then these can be ways to get properties.As for the financing side, talk to lenders.  

If Planning does determine the existence of your ground floor unit, it will require you to legalize the unit through the existing Planning code process assuming zoning supports the third unit OR using the new ADU program making your fast track condo conversion a passing dream.With regards, to some of your latter comments and questions:1) Any un-permitted work (including corrections) is not a good idea as a quick compliant from a neighbor can bring an inspector knocking on your door with a NOV especially in the current environment where everyone is SIP.2) Legalizing existing constructed spaces can be hit and miss based on the inspector you get.

Great comments.