My funds are non existent currently, which is my bane. 

I have been bidding on real estate auction for years and done well, here are some suggestions that may help you:Here are some things to consider when attending an auction - helpful hints.Preview properties with an auction associate if possible.Make a pre-auction offer(to avoid the competition).Ask for known details (zoning, tenancy, existing financing, code violations, taxes, comparable sale info/comps, will seller finance?)

That credit score where the break even exists is roughly around 680 - 700 fico.

@John Suralik  subject too is a very old and easy method of acquiring RE its not big deal. what it is is uber risky for sellers unless the sellers have already lost their credit and don't care and are walking.. the reason is you take Title subject too  the existing loan.. remember loans stay in place unless paid off and even though all debt instruments have alienation clauses they are rarely envoked.

I suggest checking the building history to see if there are any existing violations that you'd have to clear up and if there's any civil penalties involved.

Which means you cannot keep your existing loans in place.

Well, the income is low to none existent, but its there.

zipcodes to consider.....21239, 21213, 21206.....good and bad exist in each of those, one must know the neighborhoods, streets, and blocks to accurately determine good vs bad. 

Maybe pick up something in a good area near BART or CalTrain that fits my existing furnished business well..

Are you putting a non-existent down payment in to get your IRR and other metrics?