This is an actual business with professionals who handle various aspects that often time people think they are capable of doing with little education or experience.

This is true Qulia, the answer to your question is a very advanced area of the guidelines but if the adjacent lot is an ancillary lot then it can be included in the FHA/Conv loan the problem when the adjacent lot is capable of being developed or has an existing structure in your case is that its considered separate marketable lots.

Some are doing ultra small stores from recycled shipping containers.  

If it is capable of supporting tenants, why does it seem like it does not have any now?  

The borrower must be capable of re-paying back as agreed. 2.Repayment is made Monthly Quarterly or Yearly depending on the choice of the borrower and The Repayment schedule for a Loan is calculated and sent to the borrower.

I cant believe it was capable of being worked on, without falling apart.

If you want to invest soundly in the Cleveland market or any market you need someone on the ground that is not spread to thin and has a firm grasp of their capabilities to deliver.

People seem to have managed relatively well so far, but how much of that is due to increasing production and shipping out of state?  

 =)"If we did the things we are capable of, we would astound ourselves." ~ Thomas Edison

I was particularly impressed by the modularized containers with shipping labels set to go to all points nationally.