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Job Center give you 3% ore 6% chance to train homeless/immigrants into workers/artists/scientists. For every 100% one of the immigrants/homeless will be trained, for less than 100% it is lottery.

School give you education, which works as base for technology discovery.
https://dcity.io/info#tech

This mechanic is quite complicated :)

It means I should have bought basic homes first rather than investing in job center.

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yes you always need population in your city to earn anything and for buildings to work. Can't have ghost town with Job Center and no people to work there :)

Learning by doing is the mantra of the day. There is always next time.😇

But since you have job center, now can buy cheap homeless or immigrants cards for population cheaper than basic home

Oh, immigrants and homeless are considered city citizens? I thought they would reduce the popularity of your city and hence reduce the income. Is that right?

Popularity and Income are different. Popularity effects population. You don't want to have a negative overall population, but if they are in balance immigrants and homeless are workers.

Oh I thought the immigrants and homeless will decrease the popularity and hence reduce your income. Is that right? What is more important - population or popularity for income?

popularity works as population multiplier. Negative popularity effect should be very small from few immigrants/homeless. population and income is most important