This is how I did it.
For lots that a sim can't buy in game like parks, fishing spots, the cemetery, the city hall - public service building I built the lots. Then in town edit I selected the buildings to see how much they are worth and deleted that amount of funds from my sims' household. The way I built some of these lots like public service building they didn't cost a thing. Others did.
For lots that have the rabbit-hole buildings that can be bought in game I deleted the amount of the lot, as above. Then I had my sims buy the partnership, then the ownership of the building. I did this for the combined grocery - cafe, the combined book store - spa and the combined business - bistro. Then every Monday they will collect their income.
There are other buildings that can be bought in game such as the library, the art gallery, bars, etc. I will just have my sims buy them in game and every Monday collect their income.