If so you can apply for the first time home buyers bonus to help you out with that.I personally will be buying a multi-plex in the future and am going to use that to minimize the down payment and use it as my primary residence to get a lower interest rate on the house.

However, we would like to do it by piecemeal (one lot a time) to minimize huge capital outlays until we determine there is a market for it.

For instance, I'm now doing private lending in my Roth IRA, earning double-digit returns w/ minimal risk.

My question is, how do I go about that being that there is such minimal information on the property.

Hello Nicole, i agree with Patrick , minimizing your debt can play a key role in qualifying for  a loan from a bank or having extra money to save for your first property.

Adjustments for lot size were minimal.

I won't buy a high-risk property with minimal cash flow.

If you wait too long into the expansion cycle, appreciation potential will be minimized. 

This minimizes the tax effects of your income flow.  

a few don't charge and if they so, it's minimal...