People with children, or people of color)...all out of spite.

Very young (not school age children) family?

You could also consider getting your real estate license and using commission as money down or start flipping smaller items like furniture or cars to build up capital. 

They are considered the same as traditional dwelling units and are allowed by-right in all residential districts, subject to the following:All Dwelling units and any accessory guest houses must be rented or offered for rent together, and may not be rented or offered for rent independently.All Dwelling units, including Vacation Rentals and Short term rentals shall have a maximum family size of 6 adults (and their related dependent children).Non-residential uses, including retail, restaurant, banquet space, event center, bed & breakfast, or other similar use is prohibited.All Vacation Rentals and Short term rentals have a Transaction Privilege Sales Tax and a Transient Tax liability.

I also have 3 children and a wife (first one)...who support me and give me a lot of joy. 

However, it is unlawful to discriminate against families with children, except in certain qualified housing developments intended specifically for older persons, which may be allowed to exclude children.For more information on Housing Discrimination,

And it was such a great esteem builder for her and her young children to have a place of their own.  

I showed a 3 bedroom apartment today to a couple with 4 children.

And a bed would not be an appliance, that’s furniture. 

With 1-2 children, and unless you have a shed, one side of the two car garage typically becomes a big storage area.