The thing that restricts me is my job is in NY.

Again, it's crucial to consult with a financial advisor or tax professional to understand the specific rules and implications of withdrawing funds from a Roth IRA, especially within the context of a SDIRA and any conversions involved.In summary, while the strategy of using a SDIRA to lend funds for real estate investments can offer potential tax advantages, it's essential to fully understand the tax implications, including the taxation of earnings and any restrictions on withdrawing funds, before proceeding.

It's a great place for appreciation due to the geographically restricted building.

Always work with local people who know the current zoning restrictions!

You'll just want to check with zoning restrictions.

Their restrictive policy hasn’t worked (yet).

Town homes can be a good starting place depending on the restrictions.

**Legality Varies**: The legality and accepted use of BOVs/BPOs can vary by state, with some states restricting or prohibiting their use[2][4].In summary, broker opinions of value can be a cost-effective and timely way to get a rough estimate of a commercial property's worth, but they have limitations in terms of accuracy and acceptability compared to a professional appraisal.

IMO you will further restrict your renter pool. 

We want to understand how much loan do lendors provide for buying the land and do they have any restrictions for the loan like need to build in 1 or 2 years etc.