Generally you need a survey, legal description, government approval and recorded deed change. 

The local government GIS website is also great.

Where it easy to rent the apartment and store in case I decide not to open a storeI did see a lot of properties closed up and for sale in Trenton especially near the government offices.

You can work with the local government's zoning commission to work on combining lots.

Conventional Loan ---- 10-30% loan involving the government Reserves Start with 6 months reserves for each unit you haveHow much do you need to get started?

So, proper planning is critical to make sure that all of the moving parts come together.  1031 Exchange Qualified Intermediary Make sure that you are dealing with a Qualified Intermediary that has some type of government oversight. 

Don’t let the fact that the government is paying the rent sway you.  

The state and federal government look at investment properties the way that they are correctly structured which is a business not just an asset.

Obviously there is 3.5% with FHA, but are there any low government programs or random credit unions/savings banks that allow 0-10%?

But the house and two upstairs apartments became vacant at the same time and I felt we needed the rent, so we took three un-vetted tenants on government programs (learning mistake).