I live in Oakland, Work in San Francisco, shoot in Castro Valley (Chabot). I, too, have some handis you could try sometime if you ever make it up to Chabot and I am free the same day.*
When I'm not buying firearms through a ppt at a gun shop or with my C&R ffl, I buy from Buds Gun Shop (near my original hometown in Kentucky) and have it shipped to my FFL in the area. My FFL (who works out of his home and primarily does such internet transfers) charges 45 for the first long gun, and I believe 10 for each additional, but I'd have to check to make sure. Not all FFL's will accept internet transfers, but a select few do primarily that.
Bud's has a pretty good website and a decent selection of Handis at good prices. Generally I'll buy more than one long gun at once, though, so that I can spread the paperwork fee over multiple firearms and not feel the pinch so much.
*though for the next 8 weeks or so my rifles are at HR getting some new barrels fitted. That's okay, since I don't anticipate a range trip other than the 10/21 tactical rifle competition any time in the next two months.