I will have around 100k to be used on a personal property and/or first deal.My goal is to focus on commercial real estate using cash flowing apartment complexes in order set myself up for early retirement.

Goal 1: Pay off mortgage on the home you live in.

My name is Willie Francis and I'm  a newbie to real estate investing, I’m working a full time job for the Railroad looking for financial freedom thru RE my goals are investing in Rental Property in the Houston area.

I don't know the Cali market and unsure of your goals.

@Holly Collins - these are 2 different value propositions here.1. cashflow (aka rent)2. resale valueAgain, I think this depends on what your personal real estate goals are and specifically where the property is located on the peninsula.I personally prefer cashflow value because I think it will far out-weigh any negatives when you go to sell in a few decades.

My GOAL ONCE I GET THIS IS TO RENT THE TOO FLOORS AnD LIVE IN BASEMENT UNTILL I HAvE ENOUGH TI GET ANOTHER Investment property2BEEDROOM 2NDFLOOR RENT -1700 2BEEDROOM 1ST FLOOR RENT-1700BASEMT - (1 BEDROOM) - 1200TOTAL 4600EXIT - WOULD TO Re-FI TO Conventional LOANWHAT SHOULD I KNOW ABOUT REFI TO Conventional LOAN IS IT ANOTHER OROCESS?

As @Nick Rutkowski mentioned, your allowing a person to have a very strong influence in your decision making which will influence your goals.

I will send you a message and we can connect to discuss your goals. 

My goal is to scale up to as many units as possible over my Career and I have gone from 0 units in 2013 to 14 in 2017 (12 now after selling two single family).

Then see if his goals align with your plan, and after a few visits say, hey John Doe, i have this deal, can i have your advice on if you think it is a good deal, and something that you would conciser putting your money down on?