Any thoughts, experience, suggestions on this?

If you're open to considering other markets, I personally suggest checking Columbus OH.

Understanding these factors will give you a sense of how well your investment could perform long-term.I hope these suggestions help, and good luck as you get into multi-family!

Kindly help me with some suggestions what type of loan better for retail buildings.

@Jerry Zhang, Gino's suggestion is a strong one.Why guess? 

Many investors in similar positions begin by building a network and learning the basics, such as understanding financing options, which can often be more flexible and approachable than people expect, especially for those just starting out.One suggestion is to set clear financial and personal goals so that you know what you’re working toward with each investment.

Thanks for the suggestion!

It has been suggested to go the route of an Expediter to facilitate - they charge in the range of $3k to $6k for this. 

The contractor suggested building a French drain along the fence line and finishing it off with a retainer wall to match the others the builder did.

OP Google Dwags  security systems for houses.. only way to keep folks out.Also as @Drew Sygit Drew suggests in D class or deep hood areas which is what your describing no one puts in mechanicals until the day the tenant moves in or MAYBE the day before ..