This will be a "what you need to read" post, not a "what you want to read" post.
There are exceptions, of course, but for the last couple years, people trying to "house hack" a 2-4 unit property in Oakland with <25% down have mostly been getting beat out by established REI putting 25% down. Folks that have successfully made it work are mostly doing so by compromising on something at this point. The three most common compromises:
-> Instead of going up against my (& others) established REI putting 25% down, look at SFRs where you will not be up against them. Basically, look at big giant SFRs, way bigger than what you need, and turn your imagination to the "on" position (as an owner occupant, you are allowed to do things that a non-occupant landlord cannot do, automatically excluding them from being your competition on these). Check out this 7 bed 3 bath that we closed fairly recently. 100 years ago, they built 'em big and built 'em to last.
-> Sacrifice on location. Vallejo, Sacramento, Richmond, Stockton, etc. 2 of those 4 cities have direct ferry commute connections to San Francisco (which increases rent over time) but haven't yet experienced completely crazy core Bay Area appreciation (so you get a lower purchase price), hint hint.
-> Don't house hack. That $150k nest egg can be both 5% down on a SFR primary and 25% down on a 2-4 unit within a few hours drive. A lot of the legacy biggerpockets.com content was written with a midwest bias.... in the midwest, you can't just drive 2 hours and find reasonably well located triplexes at half the cost of a decent SFR near where you work, so that wasn't an option for the folks authoring that content, meaning it wasn't included. In the SF Bay Area, you certainly can.