@Steve Powers is correct that these were mostly originated as owner occupied loans.

But from your post it seems all that may not be correct.

These kinds of foundations need to be maintained over the years.

Over the past 10-11 months, I’ve been able to maintain a steady "profit" margin averaging between 17-36%.

Our exchange didn't work out and they returned the proceeds via wire as soon as our 180 days were up.I not sure I am doing this correctly.

You'll have to read the details in your PPM and Capital Call notice but generally you send in more money to maintain or decrease, but never increase, your original position, It's not like putting money into a losing stock where you now own more of the company for a lower average price.You're far from the only person this has happened to.

I too live in Marin, and feel it is a solid long term market for apprecaition, and utilizing the power of principle reduction.When it comes to refinancing, figure out what the loan costs will be, then divide that buy the monthly savings with the new loan in order to determine how long you have to maintain that loan to break even. 

Andrew is correct that you can get a multi family property w/ 3.5% down FHA.

Knowledge is power:Thorough Inspections: Minimize surprises with detailed inspections and due diligence.Strong Screening: Careful tenant selection reduces vacancy and headaches.Diversification: Spread your investments across different locations and property types to mitigate risk.Financial Planning: Maintain a buffer and choose financing options that fit your long-term goals.

I don't think the police officer was correct.