Cameron,If you are looking for a Primary Home loan its easy you can use a DPA program. 

Without knowing anything about your financial situation or what price ranges you're looking at, if you don't already own a primary residence in the Bay Area, I would house hack.

Some states have specific rules for buying, selling, or servicing mortgage notes that you must adhere to, even if you are out-of-state.3.Federal Regulations: While state regulations are the primary concern, be aware of any federal regulations that may apply, particularly if you are dealing with notes related to federally insured mortgages.4.

Is this an investment property or primary residence?

We are looking to purchase a potential investment property that has 4 rentals, we have $75,000 in assets and currently own a home with roughly $50,000 in equity, that is our primary residence. 

Homestead Exemption - You don't even get a conversation unless this is your "primary" residence.

So, if interest rates are a buyer’s primary roadblock, then I recommend seeking opportunities to negotiate a rate buydown at a seller’s expense or looking at new construction, where builders are offering rate reductions and other substantial incentives.What if I’m a seller?

Go put a primary at 4% and watch it move to 6 months quickly. 

Primary strategy is to fix and flip with a back up plans being LTR or STR given that it's located in an STR Friendly HOA with low fees.

I have the big enough equity built in my primary residence which I can use for HELOC or 2nd mortgage if it is needed.