Right now I am on an early stage of defining the Concept or Basic Design, I have no problem at all with the arquitectural and engineering side of the Design but I have absolutely no clue about how to define the number of rooms, size of each unit, final user market sector and related subjects, so I would love to hear from a savvy developer about some general rules of thumb and methods to approach this issue. 

I said of course but unfortunately not in the education sector.

There is probably some good opportunity in the commercial sector in Ogden as well since it is growing, but it seems like there are lots of empty buildings and might take a few years for all those to get occupied!

Lots of good deals there, especially with all the growth in the tech sector in town. 

How, or why, should it be any different with purely private sector mortgages, since these are a legacy of the insurance industry?

Unless new companies are moving into that location, creating replacement jobs that pay similar wages and require similar skills, all that will be left are low-paying service sector jobs.

If you work for 40 and sleep for 56, that leaves over 90 hours of "leisure" time.

I have a particular interest in residential sustainable cluster divisions, but more importantly, I am looking to gain experience in the development sector.

This is why I'm in the commercial sector.

We hope to eventually master the basics and turn our ideas into a sustainable business that will continue to grow into other markets and sectors like multi-family and even commercial.