I have a pre-W Pi Zero. I had it working as the wearable timelapse camera (Adafruit project). At this point I'm just trying to get into it via USB. I'm also trying to do this on a defective Raspberry Pi Zero W in which the wi-fi doesn't work--not too worried about this but it would be great if that's its only problem and I can use it as if it were a non-W Pi Zero.
I start with SDFormatter
Then I put on 2017-04-10-raspbian-jessie-lite
I added the ssh file
I added "dtoverlay=dwc2" to the last line of config.txt
I added "modules-load=dwc2,g-ether" after "rootwait" in cmdline.txt
a) first I did this with wordpad in a windows 10 environment. It didn't work.
b) I thought this (wordpad) might have been my error so I started over and made the above changes using a USB keyboard/HDMI/power and it still didn't work on USB after rebooting.
I did check, I do have bonjour on my laptop.
That's where I'm stuck. I'm just not able to ping it or putty into raspberrypi.local.