The zoning may be industrial but land use and other factors will determine whether you can build an additional dwelling, whether that is a house, garage apartment, w/e.

We have plenty of regulars to pay the bills, and my wife is getting a graphic design degree and will be transitioning to freelance employment in that field. 

It would be better for her and you'd trust it was designed to charge a car.

The FHA program was not designed for upper-middle class income earners.

My personal strengths are interior design and negotiations.

Hello All,I have been identifying properties in the Richmond area that I might consider purchasing but wanted to see what the average cost of certain critical factors were.

It depends on many factors. 

You are right to be thinking ahead, there are many factors to consider and making sure you are ready well before you choose to act is wise. 

Yes that's correct assuming you bought them at the right price where you were able to get all your cash back out.As far as the future goes you would have a mortgage on each house after you do the cash out refinance.It's crucial to make sure you know what that payment will be in advance to factor it in to your deal analysis.

Does the town have a septic design on file?