If I just build a house that sort of looks like it could be multi family, such as, a house that is split into two, but doesn't have an additional range (still has an additional fridge and sink), would USDA be okay with this?

What do similar properties in this price range have?

We’ve done everything from rim joist, main water lines, all new plumbing.

They would be able to give you the range it can cost.

HOA includes water, insurance and maintenance.i have interested tenants ready for a 3 year lease lock in.The rent in the area is up to 2100-2200the seller is asking for 299000, i plan on offering 225k; i did the analysis on the basis that the property may be worth the seller's asking price. 

We’ve done everything from rim joist, main water lines, all new plumbing.

There should be a ton of growth around it where you know national tenants will pay a premium per sq ft to make it pencil with development land,construction,legal,labor, and loan costs.Sometimes I will look at that range for an acre but it is the (money shot) right in front of a new Costco at the hard pin corner red light with high traffic counts.

I wasn't impressed with the listing agent's lack of response, but it is water under the bridge. 

You are dead in the water.

My understanding/impression is that most of the 15 tenants are in the 700-1500 sq ft. range with the largest space being 2200 sq. ft.The Office Submarket looks as such: Flat capital growth and lease rate growth since the recession13.7% average vacancy rate in submarket 3 star (10.9% across all level properties)Availability rate 13.9%12 month net absorption SF 227kAverage 12 month sales Cap 7.7% (across all star properties)0 new properties under construction or to be delivered in the next 12 months Average lease rates are $22-24 sq. ft (this property is about 21.5-22)Value add (seems to be a stretch but might be):Upgrading interior hallways and exterior for a broader appeal and capital appreciationOffer basic build outs to interested parties (not something the current owners do) Working against the office submarket in North NJ is a declining population.and high property taxes but the 2 star being at the bottom may be better equipped to handle stagnancy.This building is on main road with a15-17k car count a year/ does provide signage is near retail and less than a 1/5 mile off a highway exit and is close to a city center.