I think all of your suggestions are great possible ideas to do this deal! 

Any suggestions would be greatly appreciated.

I would suggest giving it up and just hire an agent when you are ready to transact in the future.

I would also suggest researching the developer’s experience with similar projects.

Any suggestions and help would be gladly appreciated thanks. 

If not, here's what I'd suggest instead:1) Get your real estate broker's license as soon as you turn 18.  

@Kaaren Hall after seeing your post i called them right away, their fees are extremely high for an HSA that for the most part most people don't have a lot of money in.I max my HSA every year, but if you have a self only plan you can only put about 4k /yr  and if you have some medical bills it's less.they are also very restrictive on taking money out, and no CC to pay the doctor. prior to speaking with them I was extremely excited to see this opportunity you suggested,  but after my conversation I'm no longer...I will look for other options now that I see there may be some, so thanks so much for bringing it up.

She suggested she might have to add the ex to title before closing. 

Make sure you account for all of your interest load if youre using a Heloc for permanent financing as you suggest.

Below are some key questions I would suggest asking.Are you a direct lender?