Aaron, if there is a number one rule in farming, particularly small scale organic farming, it is that the market has to come first. Assuming that you can develop that market after or while you are growing is a recipe for disaster. Also, the wholesale market is a real bear and only
works if you are operating at scale. This is a lesson learned hard and repeatedly by organic farmers everywhere, and it really boils down to math: 1. You can never compete with Sysco -- ie. you will never be able to compete on price, only quality and if not enough people in your market care about the latter, yer hosed; 2. Your margin selling wholesale might be half of what it is retail while at the same time your savings in logistics are not what you'd think. E.g. salad greens I can sell out all day long at $12-14 / lb but get less than half that while still being expected to deliver for free. On top of that those damned chefs are amazingly fussy, so they demand only the best, cut a certain way, etc. It's not that I can't sell certain restaurants spinach at $10/lb compared with the $1-2 /lb they pay from Sysco, but what ends up happening is they buy a little from me and a lot from Sysco and then say it all is from my farm. They really do that and it is extremely damaging to my reputation.
I am wording this as a stern warning, but of course every market and situation is different. Only you can determine if that makes sense. Still, I have learned those hard lessons and it's not a fun experience. I think with the extra challenges and costs you will encounter with very wet land (purely aside from the regulatory aspect) you will find your costs are higher. Really, unless you are tractor farming selling at anything less than top dollar will mean you can't make a living.
On grants and loans from the USDA and other sources: Investigate this first if you can. There is so much help out there it's crazy. Everything from riparian restoration and conservation to money to pay for a whole, very fancy greenhouse. You have to jump through hoops, but it's basically free money.
Finally, as I said my main field floods seasonally. I'm pretty sure it wouldn't be called a wetland but I've learned that if you have to ask the answer is usually not in your favor, so I ignore the problem and it's been fine for years. Looking at the property you mentioned I have to assume that's a whole different can of worms. I'm still skeptical of Travis' dire warnings though. I know many farmers who are in watersheds or on rivers and there are no problems... hopefully it's not a case of all of us ignoring the reality and hoping for the best
Like I've said I've never asked and don't intend to.