Don't get hung up on that too much, there is something to be said about keeping moving forward vs. getting it perfect.If you are undecided go with @Max Gomeniouk s proposal and get a HELCO and refi later.

There are well marketed ones such as RealWealthNetwork (which seem to have a reasonably good reputation here), and I've seen some proposals but honestly lack the skill/experience to vet whether the plans are for real vs. just well marketed.I do want to keep the day job -- I enjoy the work and I've been positioned for success/growth.   

@Dave Houser you might have better luck seeing if they are willing to let you assume their mortgage, also know as acquiring the property “subject to” the existing financing staying in place.We do a lot of lease options as sellers but we don’t offer any monthly credits because of the Dodd Frank legislation that prohibits us from creating mortgages (or anything that looks like it could be a mortgage) since we are not mortgage brokers. 

Given that Amazon received proposals from 238 cities, I think this news mainly gives some closure/disappointment to those other cities.  

The company previously said it was looking at metropolitan areas with 1 million people and a stable, business-friendly environment.The remaining 20 places are:AtlantaAustin, TexasBostonChicagoColumbus, OhioDallasDenverIndianapolisLos AngelesMiamiMontgomery County, Md.Nashville, Tenn.Newark, N.J.New York CityNorthern VirginiaPhiladelphiaPittsburghRaleigh, N.C.TorontoWashington, D.C.The e-commerce giant received 238 proposals from cities in North America, many with lofty tax incentives and unique offers directed at CEO Jeff Bezos."

Will I need an attorney's help to make a proposal and talk to city or or just talking to the city- town planning would be good?

I'm looking for feedback from anyone that has experience with this or that may have looked into it as it is something that has been proposed to me on several occasions and I'm not sure how I want to proceed. 

. - In researching neighbors to find contact info I found their names in a DOTD open hearing for a proposed project on the bridge that the street runs parallel to.

But I have not heard of any changes in PA legislation to address this.

This has to be done  as part of the entitlement process.This is a snap shot from San Jose, CAResidential      Emergency residential shelter C C C C Section 20.80.500Live/workS S S  Section 20.80.740Mixed use residential/commercial C C C Note 6The "C"s mean conditional, so you would need to get a conditional use permit for residential.Many planning departments have the ability to do a "dry run" of the approval process to find out what doesn't work in your proposed plan.Consider that this sounds like a multi-unit building so there maybe a construction loan used, which converts to permanent financing when it's sold.