I'm under contract to buy a 1.2-acre land lot, on which I plan to build my primary residence.

The other decision I made early on is to focus on long-term rentals for wealth building. 

Get rid of debt, build a budget, and save.

Since I am 100%, I have the flexibility to move anywhere that make sense and can be approved by the VA inspection, which is one of the main factors.I am trying to get an idea of areas to look into?

I will invest capital to subdivide with the county, engineer the land and run sewer/water to the lots for resale and potentially keep 1 lot to build a future house. 

I've been converting unique buildings for quite awhile, very much as a side hustle, until recently.

I have a strong credit score and expect I would be able to get approved for this mortgage.Monthly taxes = $155/month ($1,860 annually)Annual insurance = Estimated $166/month (~$2,000 annually)Annual HOA = $196/month ($2,352 annually)Maintenance = Estimated $250/month ($3,000 annually) (0.5% of property value given that this is a newer build.

I have a decent apartment building in Hagerstown Maryland with a nearly useless garage.

Brand new build, so no maint or cap-x for years making #'s simpler to flesh out

I spoke to a guy last night the guys down payment and monthly and a womans just in January was way different good way . one part I found interesting on top of all the systems etc was that they cover earnest money deposits too..others more costly , no monthly payments , skip trace system they will cover closing costs ,inspections etc but not earnest money..I get tons of good deals from wholesalers plus other methods ..that was huge to me..I didn't see earnest money in agreement though .