I financed this property using down payment funds from 403B and a local commercial bank.

If you sell, you could access the equity you’ve built and put it toward other investments or save for a future down payment.

It’s essential to screen tenants carefully to minimize vacancies and ensure reliable rent payments.4.

However, finding properties that would cash flow with a 20-25% down payment on 400k property has been challenging.

But, the self-sufficiency test for FHA loans can be really difficult in SF, meaning that the market rent from units you will not occupy must be sufficient to pay for the mortgage payment. 

And offset the previous FHA loan payment showing that you're making the payments for it so it lowers his DTI.

I have a 700+ credit and willing to make 25% down payment.

These programs offer options for less money down and in some cases DPA - Down payment assistance.As a banker for over 18+ years I am very skeptical when I hear a new name in the business only because its become tougher to lend with all of the new laws and credit/insurance requirements and regulations.  

Cash Payment: Decide whether you'll finance the purchase or pay in full.Future Resale Value: Factor in potential appreciation of the property.2.

However, with a SFH you will lower your standards when vacancy arises more than one month as you have no income coming in to male that payment.