Willard,FHA has taken a bad rap over the years but to be honest it’s a great loan for anyone looking to use the banks money and keep your cash in the savings.

The current use of the property as a two-family dwelling significantly impacts its value and marketability, which is distinct from single-family homes.The initial appraisal comparing your property to single-family homes is likely an oversight, as multifamily properties are evaluated differently due to factors like rental income potential and investor interest.

The tenants, who were always good, fell on hard times and could no longer keep up with rent payments. 

Great work and valuable lessons learned!

If it's vacant and you are relying on that cash flow, it won't come for a while.Check the forums here for the events and meetups category and you should find some near you.

And preparing a building site and installing a driveway are further considerations if I even decide to build something there.

Anyone out there have experience buying mixed use properties in smaller towns?

(Google it) It’s a nationwide program and Is free.

An agent has an obligation/duty to be honest and deal in good faith.

Here's an example process and timeline for New Jersey: https://www.doorloop.com/laws/new-jersey-eviction-process