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The film follows three young men as they are drawn into lives of crime to survive in the city. Nick (Crowley) uses his entry-level corporate job to commit credit card fraud and deals drugs on the side. K-Luv (Mackie) is a member of the "V-Dubs" ("Visitacion Valley Mafia"), an African-American street gang. Lincoln (Leung) is a rising figure in the Chinese mafia who is having an affair with his boss' daughter (Carpio) who is engaged to a bound for success classmate at Stanford University. The three characters inevitably interact with each other. Gentrification forces Nick's family to move out of their home in the Mission District into Hunter's Point where they are harassed by the V-Dubs. K-Luv's side business of selling bootleg compact discs leads him to enlist Nick's help to bootleg CDs and to negotiate a truce with Lincoln.