@Chris Mason @Joe StretchMaybe Chris Mason or Joe Stretch (both lenders the CA Bay Area) wouldn't mind commenting here.

Lower income areas have unique challenges other areas don’t have .

@Albert Ng@Joe Stretch is a also a great choice!

My wife and I can get the financing from the bank for one but getting financing for both looks to be a stretch.

Without that experience it will be hard for them to truly understand and fight for your unique and specific needs as an investor.

Like a lot of folks on here I'm sure, I've stretched the search to surrounding states, then to the Midwest, Northwest, Southwest, Southeast, back to NJ and then back around again. 

The author's tone makes him out as a royal jerk (particularly in a few passages where he talks about his impressions of women in San Francisco), but his perspective on life at FB is certainly unique.

Currently I think we could do a down payment of 100-150k (upper end would be a stretch).

She agreed and said that it would stretch her a bit to also add lawn service to her bill, also she stated she was speaking with a co worker who could either bring their riding mower over and she would work out a deal with them.

I wouldd o that if I were in your unique situation.However, the only advice I can give to you is to take advantage of the free resources available to you here on BiggerPockets.