So a multifamily house hack is doable.

In CA 5% or even 4% is doable because in some areas it can be difficult to find any property for sale for less than $500,000

She qualified for the 211K, but 245K was outside her comfort zone and went over her allowable DTI (debt to income ratio), but adding $750 per month in potential income to the equation made the 245K property doable.

Now, with regard to your comment that 15y +25%dp isn't doable in your region...that would raise some alarms for me, just generally.

We don’t wanna go through the banking system and have considered getting investors or peer to peer lending but for the amount, is this doable?

It's a pain, but it's doable.

The Bay Area is a lucrative market and doable with the right strategy and systems in place. 

Have done some more local projects like the new Yafo, Snooze, Pilot Brewery over on Central.

Yes, it's difficult to find great deals like this, but doable.

Being the guy to show up, close off all access from the back (which may have been going on for 20 years). throw up some fences, change the garbage routes and put in some renters, may be legally doable (or not).