None of my business about the children issue, but I happen to agree with TG. I have one and not because on any environmental sense of not over populating, it was just a timing thing. He is not spoiled and he has a lot of friends with sibs who wish they were him. I am not nostalgic about large families because I agree with a poster here that said, someone gets left out. Large families existed when children died young and when we were an agricultural nation.
One more thought to ponder, could you find someone to lease the condo with an option to buy? That is an avenue you might want to explore because it buys you more time. I would also really consider the commute from Ramona. If you are working out of the home it is not that bad, but if you want to drive down the hill every day, then you will grow tired of the traffic and there are many serious accidents on 67. Good luck to you and the family.