I have three kids and I know most of my household expenditures are to support them.The library is another great place to get free knowledge.  

Is the household member disabled as defined on the attached page?

Each parent household probably makes 150-200K.

So my household income (my spouse and mine) is good enough (above $75K) to get money from hard money lender but my sole income is less than $30K/year which derives my question whether I can get financing easily considering my household income and if I have enough cash to put up front for a deal or does my spouse's name have to be on the deal as well?

More than 34% of San Francisco residents are considering moving out:http://www.sfgate.com/bayarea/article/Cost-of-living-traffic-have-a-third-of-Bay-Area-7386717.phpFor every 1 home buyer entering the state, there are 3 Californians selling and moving elsewhere:http://fox5sandiego.com/2016/11/07/why-a-lot-of-people-are-moving-out-of-california/San Jose's "move-away rate," which is the current share of households living in the city compared with the share leaving the city, is a whopping 77.2 percent, meaning San Jose middle-class households are 77 percent more likely to move out of the city than to move in:http://www.newsweek.com/bay-areas-middle-class-being-squeezed-out-droves-report-454178Yes, most of these people are in the middle class.

If you have an average household income of $3,000 a month in a neighborhood, it will not make sense to offer a $1,500 rental property - that's 50% of your target audience' income. 

Loudon County is the richest county in the entire nation as measured by median household income....so not a lot of people in distressed situations there.

I think Garrison Householder is giving very solid advice but it's also very conservative.

Since your husband seems to be the bread winner in the household, it could change your roles and be intimidating to him, even if he'd never admit it. 

One way to interpret the data is that high household debt indicates negative pressure and an inability for people to pay their other obligations.Mortgage is the 3rd most popular form of debt.