Or would I be better off just borrowing the full 560,000 from private money - is traditional lenders not even possible with a bad credit score right now?

You could always have someone else co sign but that has its own issues.Your best bet is to do great in school, minimize student debt, and work an internship or two within your field while in school.

Terminal fed funds is between 2.25 and 2.50 according to those who bet on that for a living.

Check city laws, but submetering water is normally okay by terms of the city, as long as its public water and not a private system. 

I’m a basic meme bet and I have a feeling that I may be clicking links that only pro members can see.

And when you are ready to outsource your mailings, the only way you'll be able to make an honest apples-to-apples comparison is to know what your actual costs are to fold, stuff, label, stamp and mail each piece.Because I bet you're "paying" way more than you realize to do it yourself.For example, I've used Click2Mail's email-to-mail service to mail 8.5x11 letters in a 6x9 envelope with first-class postage, one at a time, for 84 cents each.

I bet they are in it 50k on legal fees now its highly complicated Old railroad right away that was bought by the state and now its a state asset were they are making it a bike and walking path and the state it turns out cannot be sued for an easement of necessity.. its quite complicated really at the end of the day its a 500k chunk of dirt they either get me my right of way or cut me a check,Now that I am doing business in your fare state and in Charleston SC that has old old parcels and deeds that go back pre civil war..

Your best bet is to sit down and talk with an agent and discuss your needs and wants.  

There's a difference between hard money lenders and private lenders as well.

I certainly can't speak for all banks, but if you insist on going small loan commercial you're likely to find the best bet at the smallest banks you can find. maybe a credit union.