(If rent was raised to $500/ mo.)The extra lot would give me the ability for extra options: sell it to recoup down paymentadd one or two other mobile homesor possibly consider a duplex at some point, etc.The property is in a safe, quiet community 3 minutes from retail and restaurants.

According to Newmark Knight Frank’s US Multifamily Capital Markets Report Q1 2020 industries such as education, healthcare, government, and financial are less likely to be grossly impacted, as opposed to hospitality, retail, or entertainment.

Just like on the retail side, there are more buyers than good properties. 

@Jojo Tejada, I'm assuming you mean commercial multi-family and not office/retail/industrial RE.In many ways they are completely different worlds with very little overlap. 

id make offers, from your home office, on reos, on market mls, (not off market stuff) use internet, zillow, pics, now more vid support, google maps, with goal of acceptance and 10 day Due diligence , ..you might get 5-10% off retail list price,  then have inspection, with support of agent. 

We figured other than getting some kind of retail job she could find something that could help with building our investment portfolio.

Your possible exit strategies are reduced because retail buyers won't buy a fourplex but there are more retail buyers that would buy a duplex: think multi-generational living3.

Expect to pay several thousand dollars a year to maintain your license and more marketing your business if you intend to use it for retail purposes.

Do not pay retail. 

It’s currently rented.After doing some research I’ve realized there are retail lenders and conventional lenders-rather than just conventional for refinance.