It is true your lot could constitute your contribution on the deal, but if you have a construction loan you're going to need to front the money along the way and get reimbursed by the lender as you're doing your draws. 

That wouldn't be a problem if we were planning on staying for the next 10 years but eventually, my fiancé and I would like to buy our own private house.One upside is that appreciation is quite strong in the market I'm looking at, however, I don't know if I would want to rely on that.

99.5% of loans are NOT assumable without lender consent.  

Here is a summary of the book.https://www.nateliason.com/notes/long-distance-real-estate-investing-david-greeneThe book also mentions the importance of having a rockstar Realtor, contractor, lender, and property manager.

However, I am hoping to know if anyone may have a referral for a solid lender who offers long-term financing (25-30 Yr Ams) who allows for a full CLTV seller carry behind their first.I understand the reasons why that vast majority of lenders do not allow this - trust me, I do.

A special thank you to those who reached out privately to offer their assistance, extensive knowledge, and personal experiences.After thinking long and hard about all the advice, pouring over all the data we could collect, and considering we have at least 18+ years of Disney and Universal trips ahead of us with our kids, we decided to move forward with purchasing a vacation home in the area.

That way you only need about 10-20% for the down payment and the hard-money lender will cover the rest AND they will cover the cost of repairs. 

Does anyone have recommendations of a good lender in the area?

The appraisal is usually issued for the benefit of the lender so you can play hardball and share that the lender will not release a copy of the report until after settlement (which does happen in some instances depending on the lender and their policies).

Here is a list of lenders specialising in such loans:https://www.biggerpockets.com/member-blogs/2810/50272-list-o...