If your state allows it, start taking community college classes in high school, transfer to a state college, apply for financial aid (grants, no student loans if possible, if not possible subsidized loans only and pay-off immediately), apply for scholarships, do work study, become a TA or Tutor, and just minimize your costs at all "expense".

Your pay-back time is so long that, unless the price differential is minimal, it makes more sense to put the "saved" money to work now and let it build returns for the next 70 years.It's worth running the numbers on.

The market is incredibly competitive, the best deal I’ve had that fell through was for a $97k house that needed minimal work and could have rented for $1,300/mo.

.), but minimally picking up the keys to get photos to get the place rented out within a week is not an unreal expectation, is it? 

Usually if the tenant have no defense and can’t afford an attorney the eviction processs flawlessly, but if tenant gets defense and make a partial payment or present court with a job opportunity even if minimal the landlord case is dismiss and the process can be extended for months in the lack of of a proper or weaker lease. 

Chances of that happening with the lack of government infrastructure is minimal.

A family member is also a real estate agent and would provide me with the 3% commission on the purchase of the new properties, minimizing cash outflow on the new properties.So my high-level thoughts are, I could downsize and buy two properties, which would reduce my monthly living expense by 1) a smaller primary note and 2) income from the MF offsetting a portion of the primary note, and at the same time I would be able to pull the equity I have built up in my current home, plush my current cash on hand, to further invest after the dust settles.

With putting in minimal effort I was able to find this property and wrote this post in less than 10 minutes.Ultimately, San Francisco has the potential to offer you a nicer quality of life if you can afford it.

The personal loan payment was very minimal compared to the mortgage and the lump sum payment killed it quickly.

I've been taking minimal deductions on the properties because I am still adding to my portfolio and it is helpful to show income for DTI calculations.