That size loan and payment would scare the crap out of me on a SFH. definitely market specific.. real estate prices for demand  and risk reward.. in many west coast markets you cant even buy a bare lot for under 100k.. 

The risk/reward ratio must always be considered.

Unfortunately there is no such thing as a bulletproof strategy, and you have to keep in mind that often the bigger rewards come with some bigger risks.

For optimal risk/reward, if you have an income on the side already, I would look at house hacking.

If I found a good cleaner then I would absolutely share that person as a reward for being amazing.

Sherriff Sale is also full of opportunities, although it is still closed due to COVID.As you begin to invest, keep in mind that taxation of real estate investments can be complicated, but ultimately very rewarding.

If I buy a house with decent light fixtures in guest rooms, then I will leave them and offer to add them gradually as tenant rewards for renewals etc.  

Problem is it'll reward the existing tenant and help retain a good one. 

investing abroad can be very rewarding, but you should test the waters carefully.I had properties in South America, West Africa and Europe one time or another. if you can find a good handyman, a decent lawyer (just in case), and finance (unless you want to buy cash), you can invest abroad.I like the Mediterranean area, no matter of what continent.

Appreciate any guidance you can provide.Thanks The structure of the residential and commercial market in Bay Area makes this area is more rewarding for owner occupant  and for short/long term appreciation play rather than cash-flow.