First and foremost, stick with an accredited institution. I suggest this because accredited institutions tend to have more effective curriculums. Typically, after you have spent your time and money at that institution, employers (or customers if you plan to go directly into entrepreneurship), place more weight on accredited vs non-accredited institutions.
I am not sure that there is necessarily a link between an accredited institution and the number of years to complete a degreed program. It is my understanding that even 2 year colleges can have accredited programs. As long as the curriculum for the degree/program/certification that you are interested in meets certain standards, the number of years shouldn't matter and that institution can be considered accredited. Recognize too that many accredited institutions offer online/virtual learning as well.
Do your homework before investing your time and money...and best of luck to you!
If you're struggling to pay for college, there are still great accredited options for you in San Francisco, for example CCSF or SF State. You can be a full time student there or just take as many classes as you can afford. Good luck!
However you can still find good programs at an unaccredited college. And if you are struggling to pay for college and can live at home while taking classes, then in the long run I wouldn't overlook an unaccredited program. Excellent grades and an internship that provides valuable experience will serve you well.
Best of luck in your decision!