It's a portfolio product with a local bank.

I would love to speak with local investors, agents, and lenders in Sacramento.

Unfortunately this is not a strategy that rallies the base for many politicians running for local office, so getting this impemented widespread is easier said than done. 

Most lenders will say no upfront, but some can do cabins if they meet certain requirements.

Local guy who some other investors use. 8. 

I would try to avoid Berkeley and Oakland because the laws heavily favor tenants and who knows what local regulations could be passed. 

I'm down to meet up.

Your local S8 Housing Commission should have an info sheet on their website that shows their deductions if landlord chooses not to include electric, gas & water.Even more critical, your $680 mortgage amount, that you appear to be comparing to the S8 rent, should include ALL the other housing ownership costs: property taxes, insurance, vacancy/tenant nonperformance (S8 tenant may have to pay part of rent), maintenance & miscellaneous.Suggest you use the BP Calculator for this.

I highly recommend local meetups, as you can meet other investors who have already gone through the wins and losses.

We always consider gig employment so long as it meets our qualification of 3x the amount of rent and verifiable income for 1 year.