Harrison,From an Insurance Standpoint, you should discuss with an independent agent who has multiple markets for Apartment buildings.

Second question from there... " An independent broker-sole proprietor must be a broker-in-charge to lawfully engage in most brokerage activities."

The VA SCC website also mentions an "independent contractor" status as well. 

I'm here to build wealth and become financially independent to spend more time with my family.

This is the only kitchen in the house and the second floor only has kitchen & dining area (no other rooms).I am thinking of converting the current kitchen into an independent (studio unit) by adding a bathroom and giving an exterior access, this could potentially be the room (studio) I keep for myself for now.I am also thinking of moving current kitchen downstairs to a room that is really small, however it has an unpermitted bathroom.

Most towns in NH area right now actively debating banning AirBnB rentals because, well, NH is about 5-10 years behind the rest of the world for anything related to technology and they’re staring to see the inevitable corporate STRs and AirBnB arbitragers ruining it for the smaller, independent owners.

I haven't spoken with any lenders just yet and I am a little concerned about the fact that I am an independent contractor so I don't have the same consistent records that many salary employees have.

We focus on B class neighborhoods in the $100K-$120K range in the suburbs of Independence, Raytown, S.

If your not happy with a result hire independent and don’t tell them Anout your dispute.

Most independent mortgage brokers will be able to successfully finance this depending on the time strength.