That usually requires the owner to apply for a zoning change.For that process, you'll need some engineering accomplished, site plan, water retention, concentration of land usage, utility plans, street plans, etc.How many acres are there?

If you can get a fourplex you could potentially be living for free and using that E-5 BAH as your income or reinvest it into aother property.

What they have done is eliminate options and have definitely erased hundreds of years of usage and purpose.

Paul, I plan on downloading that book after I finish the BiggerPockets "Ultimate Beginner's Guide to Real Estate Investing" e-book.

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E.

My income is relatively inconsistent, as I own an e-commerce business that has its ups and downs.

Current usage if any? 

That assumes a 10% water/sewer usage. 

I recommend 2%, but even that is a mix of precious metals (platinum and silver, which have different characteristics and industrial usage).