Is there a place i can go on this site, to get help with the step by step process of being a whole seller?

Most banks do not loan for what your intention is, but if you do own the land outright then you do have the opportunity to pursue a construction loan like Ryan mentioned.3. if your goal is to sell plans (approved I assume) then you have quite a bit of expense and months of city approvals/ meetings to go through before that is a reality.

If you still want to pursue the property, then you need to figure out how much it will cost to renovate, plus all of your holding expenses.

Being in a military, there are many obstacles and I'm not so sure if it works for me but taking some actions are my first steps.

Thanks for the mention @Jay Helms  Hey Cory,You’re a smart man for taking these steps before you make a huge decision. 

But to become a part-time fundraiser on top of that; the children and/or a social worker need to step in and help with form filling, contacting agencies etc. 

Bank just called me and told me I need to establish more credit and have 20% down to get a loan for investment properties so I’m asking what is my next step now?

The next step is to take action.

The option effectively negates your ownership of the property.You've gotten the steps out of order. 

If you don't mind, I'm going to share with you a step-by-step guide that commercial brokers in NYC like myself would use:1) Check market demands: Before anything, you'd need to find sales and rentals reports for your neighborhood and check the current inventory.