Or should I continue my current thought process?

For multifamily/apartment education, check out Best Ever Apartment Syndication Book by Joe Fairless!

We are trying to educate ourselves on the financing options and incentives for the owner to work with us. 

Stop paying for education and . 

I would buy close to the ferry, and only pick a building that is cash flowing at least enough to cover expenses.Oh, and I might have found a 'deal" in San Francisco, but it's a single-family home which would require me to Airbnb out two rooms continually to help with mortgage.

My wife and I are also missionaries and preparing to do missions but need cash flow for continuing missions.

Few people could get mortgages, and home prices continued to fall.

Many people in our society want to vilify landlords for doing their jobs.Have you considered this as you begin or continue to grow your investment portfolio?

One of the most is your education and being able to read and understand financial statements. 

@Jeremy BartlettGo talk to them and lay the law down If they continue theIr bad behavior then post a comply or quit document up