$800k sounds low. You've still got to do the retrofit, or it's going to be a TIC, or it's going to have excessive insurance costs... even then you'll be outbid

$800k sounds low. You've still got to do the retrofit, or it's going to be a TIC, or it's going to have excessive insurance costs... even then you'll be outbid by 20-30% over asking price. I've been sitting on a 20% deposit for years (at the equiv of SF property), but simply cannot afford to buy given all those costs. The only way I can see it happening is to be married, with a double income.