Somehow my wife has supported us all and has been saving money for about 35 years as a computer programmer.

Typical IRS rules are you can get a loan within a few percentage points of prime for the lessor of half the balance or $50K. 

it doesn't say anything about making up new rules out of thin air. 

In the area I am in ( 40 mins to Boston) and this allowance is enough to support my family.

In the area I am in ( 40 mins to Boston) and this allowance is enough to support my family.

There are hundreds of markets around the country that can provide exponentially better returns than you will find in California AND without the BS rules and regs. 

I support clear skies Joseph Gachko in Westfield is a fantastic attorney who works with investors, and who also invests in Union,Hudson and Essex.Jg at westfieldlaw dot com

My asking price is $100,000 which would put this as a rare 2% rule property.

Following this "Rule", you will never need any more money from other sources, since you will continuously be supplying your own...at will.Use your seed money, spend your profits...after, you've reinvested your initial profits to expand the original seed money. 

Other cities have different tax rules and tax rates.