I also kept my first home and it is paid off now and worth approximately $150k, with current renters. 

Financial independence requires more than just replacing your current income.

Utilized a low down payment loan, maxed seller credit, tax proration and closed on the 1st of the month to maximize my cash and acquire this property What was the outcome?

Congrats on your success in acquiring the duplex that now will yield 6.5% cap at current lower rental rates. 94115 is a great zip code to be in.

I currently do not have enough funds to fund a down payment and am trying to find the most efficient way to save.

Current rent is  $797.

Vs her current super-chill life, get's special discounts all over the place for being "too poor" and all the while can work cash jobs when wants extra, keeps her bank account low, plays the game to get here "free ride". 

@Jay HinrichsI currently develop in NC.

However, looks like there is a harsh line as far as what locals can afford and if you go over that, vacancy is high.Watertown, NY- I’ve seen many great multi-family properties in the low to mid 100s.

Also the hit rate per property is really low.