Now it is noted on inspection, that the wood floors are sloping as much as 2-3" out of level.  

More things impacted my current mindset, and at a high level I just want to get to the point where my mother does not have to work anymore, and I can give back to my community and enrich other's lifestyles. 

Not only can it provide stability and security but lower my stress level.

Retail at ground level,  apartments on second level.    

Housing cost should not be more than 1/3 of a indivulaes income otherwise they can not afford it.Going above that level is why people choose to live pay check to pay check.People rent ether because they are saving to buy, prefer to rent or rent because they are living beyond their means.

Or, is it that they are afraid to take it to the next level?

Depending on the profit level, I would maybe consider doing it as a Limited Partnership.

Good afternoon BP,I want to take my investing to the next level.  

It looks like the crime level is lower in the north..

Depends on two factors; what your personal comfort level is and what your lender requires.