., mortgage interest, taxes, repairs, depreciation) on Schedule E starting when the property is placed in service.

They can't afford the double deposit, indicating they live on the edge at the moment.

Not really sure how to go about financing but we're planning on having a down payment at or slightly above $100,000 and don't want to pay more than $3100ish per month. 

It depends on who you're hiring but that seems fairly standard.  

So to me bottom line the good workers at the govmit will find new work some will do way better in the private sector than working for the govmit etc.As for the suicide you mentioned of course we know were your reading that..

A monthly fee (typically around $5-20/mo) is added on to the payment.

Fortunately lenders are starting to seeing the bigger picture and comp these additions more in-line with multi-family, rather than SFH which it is. 7842 Lasaine Ave, Northridge.

Any advice on how to get out of this stagnant stuck feeling?

I have done it successfully on my last 2 buildouts, maybe 3, but only because I was able to acquire the properties at a very low price and I did all the work in-house (myself and some hired hands on staff).

I recently signed up for BP and found the calculators on this site to be very helpful.