Then ask them how much of an increase they think is fair. 

This is the lowest barrier to entry that I could think of while using only my own resources.

I would start perusing the 'net and see what you and your wife think.

Thank you very much for your responses.So you think if at least the family member can pay for my expenses then it’s worth to keep it even if I don’t have cash flow?

Why do you think purchase contracts are so long and have such small print?

We use Regions Bank - not sure what state you are in but I think they are just in the Southeast.  

Seller's current asking price is $525,000 but I was thinking of asking at $450,000.Property is zoned CMX-1 and is currently configured as commercial downstairs plus two apartments upstairs and basically in Shell condition.

You will likely receive some credit towards the value but not as much as most people think. 

The other option I can think of is to take advantage of credit card offers you receive in the mail that include a few checks with a 0% finance offer for up to a year.

I think another fear with going conventional is whether the house would appraise for the asking price if the orchard isn't taken into account... ir the cashflow from the two rentals.