Surprisingly they have all gone up a healthy percentage since I bought.

I've seen some pretty healthy asking prices for land where all entitlements were obtained & approved.Also, I do understand that there's a cost paid to the geotech, architect & city prior to approvals.But...

A growing population indicates a healthy real estate market with potential for appreciation.2) Waterfront Properties: Cape Coral is a waterfront community with over 400 miles of navigable canals.

If it is, that is a healthy amount of income.Is she getting any social security?

My first thought would not be a foundation repair, it would be to catch the water from the hill OUTSIDE the house and direct that water somewhere else making the soil against the house on that side less wet.

Assuming the credit is healthy you may be able to go up to 85% loan to value. 

@Golan Corshidi if your W2 is providing a healthy surplus, you can be a bit more tolerant and "loose" a couple hundred bucks for a year one or two - if you are in a desirable neighborhood.1.)

It's your first property, you may hold it, you will probably sell it, find a healthy balance there.

Assuming credit is healthy there are lenders that will offer more favorable terms. 

on those types of buildings its usually about 25-30% down depending on the rent roll and how healthy it is