I'm also blessed to have learned the concept of financial independence, true investing (purchasing assets instead of liabilities), and great savings habits at an early age.Not sure where I should really start. 

If I do an l/o agreement that expires in 30 years independent of the rental agreement, I need to have some condition that ensures they have been living on the property at the time of exercising the buy option.   

I am newly independent and do not have required income or W2 information for a traditional lender.

I am newly independent and do not have required income or W2 information for a traditional lender.

I am newly independent and do not have required income or W2 information for a traditional lender.

Dalia,Contact Independent agents in your area.

From a tax perspective, the contracts and setup could impact how much you pay.A good Independent Agent who is familiar with construction can help with the decision on what coverage you need, what can be piggy backed on the builders insurance, and how to make sure that coverage does not lapse.

does anyone know someone that can help me with getting an independent contract put together ??

After we've achieved financial independence, we'll likely switch gears and focus on building long-term wealth, which will likely mean different markets and different property types/strategies.Good luck.

But its your choice to become employed or independent contractor.