Any recommendations in San Angelo for this sort of work?

Most all lenders are going to be requiring a payment of some sort.

Typically, I am getting 25-year amortizations and 5-year terms with some sort of prepay, but it isn't hard getting financing at all on smaller apartment buildings. 

Have you thought of a sort of VA syndication? 

Check with the appropriate regulatory bodies to verify that they are in good standing.Review the terms of the deal: Carefully review the terms of the deal, including any contracts or agreements, and make sure you understand everything before you sign.

The insurance companies can sort it out-that is what you pay them for.

Hire someone to haul all the stuff away in the downstairs area instead of sorting through the stuff like I have been. 

I have an architect who is ready to draw up plans but I still would need some sort of estimate for the cost of the build being that I am using private money to get this deal done. 

Many of the solutions you have to deliver to get substantial discounts on property would have to be solutions to headaches that nobody else (including the seller) wants to tangle with.If you can't find any compelling problem in this section, you should seriously consider moving on with your life by referring them to some sort of service provider that might be more appropriate for them.

Is there any sort of subsidy built into the mortgage, or is it just a no-down, low interest rate loan product?