Now trash service is a questionable item in some communities but wanted to ensure you include this as well.  

Luckily, as a safeguard, Cdn banks have recently implemented a "stress test" to their underwriting standards, and use 2%+ to the going rate to ensure the DTI of the borrower is still within limits.  

I suggest you speak to your family attorney if your estate is not sizable, if it is, an estate attorney might be better (and more expensive) to ensure your wishes are carried out.

I saw this was interesting.I do think when he gets a family etc. at some point will need some type of house. I wonder if he is going to invest his millions in real estate or not?? Has to do something with the money.ML...

Definitely look up some of the meet ups in the area and start getting to know the players.  

This helps ensure that rent increases and property appreciation will continue.

But odds of it happening without a major player or developer plowing money into it..?

I'd listen to a few Dave Ramsey podcasts - Dave and @Jon Holdman are equally adamant about ensuring you are getting degrees that are valued in the market place. 

Also, who must I meet with in order to ensure that what I want to build is up to code/ legal?  

Avoid the national players like Chase or Bank of America.