They’ll check if your property, zoned R5, allows a curb cut and ensure it meets zoning regulations.

It is a very low bar for you to meet, but keep in mind that is also the level of upkeep some S8 tenants might have in mind.

We have a minimum income requirement to qualify for this unit (4 times monthly rent); based on your email, it appears you meet that qualification.

So when you need to go check on things, rent units, meet contractors, etc, you're jumping in the car for 6 hours, spending 1hr there, and I'm thinking after a full days's work. 

Purchasing a property that doesn’t meet the 1% rule can absolutely be justified if you’re focused on long-term appreciation, especially in strong growth markets like the ones you mentioned.

It would be a great opportunity to meet others in the area that are investing.

Even if the HOA currently allows rentals, it’s worth attending HOA meetings or reviewing their amendment history.

The bay area has many old houses so be aware of what it will take to being them up to code and meet insurance requirements.

this means getting off the Internet and going to meetups, meeting other investors, seeing properties, looking on market and off, and putting offers in. 

You can also check meetup.com or search Facebook for real estate investment groups, clubs, or meetings in your area.