The other option might be a small SUV. My wife liked the Buick Encore, which can be had for <$200/mo with nothing down for the base model. I know it is definitely not a SF approved car, but it didn't seem bad. It was quiet and comfortable. Fuel efficient should be good, consumer reports rated it well for predicted reliability, and the backseat could do two car seats no problem - used are pretty pricey because they are only three years old.