Weeks, while it's easy to rationalize why not to buy it, there are many reasons TO buy it. 

@Jarrett FogelmanThe answer will depend on the rational behind your unwillingness to but a property just by yourself.If you just want to spread the risks, you can invest through these crowdfunding platforms.

After credits and pro-rations, he showed up to closing with a $6500 check to buy a $200,000 cash flow positive duplex. 

@Dzung Doan As @Bill Brandt poits out RTP ration doesn't mean much.

To me, the only real rational reason a buy-and-hold investor would purchase in SF would be for the appreciation - they you'd be giving that up for some help with the down payment. 

It only gets worse from here.It sounds a bit like you are trying to rationalize the situation in order to fill your vacancy.  

He gave one example after the next from his 5 days a week normally spent not dreaming about whatever, but practicing law IN THE MKE CTY COURTHOUSE and it was one after the next where reading the law and hearing both sides, any rational person would say "sounds like landlord wins"-WRONG!!!!!

Many of these "investors" are really looking to just park their cash and maintain purchasing power instead of investing on a rational self-maximization basis.  

Like I said, my gift to the boards is to help folks think and rationalize around the asset class.  

You will be paying the interest to your self, the rate is usually prime + 1%, you have 5 years to pay it back and it doesn't count towards your DTI ration because you are borrowing from yourself.