Looking for correct array function.

Please see the attached GIF.

I am trying to take information from columns J ("Family Size") and L ("Annual Income"), and figure out how many units should be assigned to columns N ("Very Low Income Units") and O ("Low Income Units").

Essentially, this is what I want to do:

If J2 = 1 and N< 22850, then N2 = F2 and O2 = 0.
If J2 = 2 and N< 26100, then N2 = F2 and O2 = 0.
If J2 = 3 and N< 29400, then N2 = F2 and O2 = 0.

And so on through "8."

How do I write a function that does this? Is it a VLOOKUP? A nested IF? A concatenate?

Okay . . . please forgive me for multiple postings.

I realized what I'm essentially trying to do is use the VLOOKUP function or something else to get around the limitation of 7 nested IFs. Can someone please walk me through this?