Your family income has nothing to do with a "good price point". Your net income after all your expenses would be a much better indication of your ability to purchase. This and your other question regarding lenders is best answered by a lender, and not a real estate professional. Call Greg at RPM Mortgage - (800) 244-1302. He can answer all your lender related questions.
"Is renting out a house easy" - what you see as "easy" can be interpreted many different ways. Contact Matt or Pam at http://www.bodegabayescapes - they are in the rental business and can answer those questions.
Contact Adams Realty at (707) 875-3200 for all your real estate related questions.