And meetups, while great in certain ways, can also give you a flood of different experiences that are hard to sort through. 

Our house flooded after Harvey.

Water and sewer are expensive in Portland as well and I pay that as the landlord. 

I would factor in a certain % each month for capital expenditures, such as a new hot water tank, furnace, etc. 

Water heater, roof, HVAC, paint, flooring, siding, windows, etc.

Once things get back to normal, offices open, and immigration begins, flood gate of renters will open up and SF Bay Area rental (condo, apartment, multifamily) prices and rents will explode. 

Otherwise, you could look into non-conventional loan options (outside of Fannie/Freddie) that allow for less than 20%, such as local credit unions.As for your numbers, you're missing a few important components; the big items would be maintenance, CapEx, and utilities (water/sewer/trash) for a 4-plex.

This will really only be economical if there is municipal water/sewer right out front the park that you can connect to.

The rental market is flooded with the aforementioned remote tech workers and even more so by prospective home-buyers moving here with basically nothing to buy, so they end up renting while they wait for their turn to win the lottery.

One more I love about CG is that we have separate water meters there ….