Buy more properties, rehab, and purchase larger properties to reach your end goalA private money lender would be my advice, they will give you the access to funds that you need to grow your business.  

The factors I have considered so far are that keeping it open will allow me access to more money if needed for something like a rehab without using my credit cards.

I have a 3.5 acre commercial lot in a rural part of NY with access right off a heavily traveled main road.

Is it good number to have as a Rough estimate when you don’t have access to the inside of the property?

When you buy your 2nd property your down payment will be 15% on a 2 unit and 25% on a 3-4 unit.Conventional up front and FHA on the 2nd - Now, buying your 2nd property with an FHA loan will only require a 3.5% down but FHA will need some good explaining to buy BUT they will have a lot of restrictions. 

I was just wondering, I see all these ads for Hud housing and I want to know do you have to pay for the account access or is this a gimmick?

BUT they will have a lot of restrictions.

That is about 6 times higher than what we can get here in California.If I have access to 3% properties that bring $800+/month in rent, I would be retired in less than 2 years and probably be drinking cocktails on some beach in Brazil. :)

Why restrict yourself to only renting to the government.

Depends on how much cash you have ready and how much credit or private money you have access to.