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?

They are also good indicator of how responsible tenant is.This article https://rentberry.com/blog/screening-prospective-t... has comprehensive list of tenants verification tools and warning signs that landlords should be aware of.

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.

My reports are pretty comprehensive with explanations and recommendations.

Its a comprehensive book covering pretty much all you need to know including how to shift your mentality and focus to achieve great things in this business.Read anything that will help you in real estate, business and life!

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. 

I have older homes (1913, 1920, 1940, etc.) and I've been told American Modern won't do a DP3 type policy on homes 80 years old or older.Ideally, I'd like to have a comprehensive DP3 type policy with code upgrade included.  

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.