Suggest a FHA lower down payment larger MF in a more active town with high paid jobs....

All different jobs.

In the immediate future I definitely want to house back a multi family home, in Hudson County (which is a very tough market for any numbers to make sense) but as an agenT with access to MLS , and networking with varIous contractors due to the nature of my job, I think I’m in a good position to find something that has some value - add potential , as to not pay a premium , because I have the knowledge and means to improve it either myself or through people I knoW , so that would be my immediate short term goal.

She has steady job etc.

Good job on saving up those funds, very impressive. 

My name is Brian and I'm a 26 year old originally born and raised in the Midwest (Cleveland area specifically), but I've been living in the bay area for almost 3 years now as I got my first "big boy" job in tech.I'm a newbie when it comes to RE investing but I'm very interested in rental RE.

I'm actually in a similar boat as you Tyler; fairly new to the landlord industry (due to the nature of my job) and constantly looking for new resources that might be of some benefit.

Those of us that have been successful often try to be incouraging and supportive without considering we may be imparting false hope.Take the time you would put into growing from nothing and concentrate working 2-3 jobs saving every penny by living a frugal life style.

Current tenant has been there 2 years, is now a single mom and has a good job as a nurse, but is constantly late on rent. 

Unless this job includes a ton of transitions, needs massive floor leveling, or has a million tiny corners he'll have to custom cut, then $1900 is pretty darn high.