Do I have to get a job just to obtain a loan for a property that can more than pay for itself? 

I would consult with Local area real estate attorney or approach County Clerk Court Offices with Death  Certificate and Proof of being next of Kin and ask for Deed / Title Transfer assist.

Best place/source to obtain raw land loans?

Call trade companies and obtain a general idea of cost for a furnace replacement, new roof (by square, 1 square = 100 sq ft), water heater replacement, cabinet costs (often by linear foot), flooring costs (by square foot), counter costs (by square foot), etc.

Money has already been spent on inspection, elevation certificate, bank fees, an appraisal, etc.Now with the possibility of rents not coming in, it is making me question the purchase.

How will you get a certificate of occupancy with open permits?? 

I DO HAVE ANOTHER QUESTIONS, ONCE YOU OBTAIN A LOAN AND YOU DECIDE TO QUIT YOUR JOB [WHILE HAVING RENTAL INCOME COMING IN] WHAT IS THE CONSEQUENCE OF THIS? 

You will need piling and WPI8 certificate.

However while discussing this with someone from the registration department they mentioned I would also have to obtain a "use and occupancy" permit because my house has 2 dwelling units, and their records indicate only one.

The owner is not going to do estoppel certificates or anything like that, and on your end you just need to assume the worst.