Crazy to say but statistically most of the people who typed responses in this thread will get some form of cancer if they live long enough

I could be wrong but something feels very off with these numbers, and while that bank i'm working with has been great personally, the explanations to some of my questions have been somewhat ambiguous.Also, I want to ask what type of loan is best for a situation like this and has anyone worked with any good independent PA banks?

As you're growing and becoming more independent, they're having to get used to that thought and trust you.Plan your college to complement your plans and be a useful degree that can earn you money, whether through a high-earning job, or giving you the knowledge and skill to create your own path. 

Statistically speaking your situation would be the outlier but glad it worked out for both you & her.

I make good money at my job, i have no kids at the moment, and have goals of one day becoming financially independent.

My guess is that the typical offer pitch describes all the benefits to the tenant - rent credits, locking in the price today (all of which are tied to ultimately purchasing the property btw) - without pointing out that statistically it’s very unlikely they’ll ever see any of those benefits and therefore lose many thousands of dollars in option consideration.

My fault that I didn't sign an independent IAC and the agreement had NO written deadlines .

Use capital to create as much income as possible through RE while obviously maintaining the adequate reserves(20-30k)• Goal is to achieve financial independence and retire early from RE I’m hoping to eventually scale up and get involved in bigger deals.Looking to hear/learn about investment strategies from other investors (eg. paying down mortgages or just letting tenants pay it off and keep saving for more investing) Always hoping to expand my knowledge.

Do you require all married couples to have each spouse independently qualify? 

If you can keep buying properties that cash flow and let's tenants pay them off it will help you become financially independant.