Finding a broker and working as an independent agent:a) Just about all brokers will qualify you as an Independent Contractor (IRS exemption to the rule), so there is almost nothing mandatory that they can impose on you.

I can't get another job because I am not academically qualified. 

Also I work closely with a fantastic lender if you want to get pre-qualified.  

My goal was to live rent free, but I haven't ran across a property in the last 3 months, that qualified for FHA which would allow so.

Make sure you talk to a qualified attorney about your gameplan.

I have to qualify that by saying I haven't actually talk to an owner face to face yet but the majority aren't doing it because of the confrontation aspect. the main expenses are time, gas and any notes that you leave for the owners.

Almost by definition, everyone on BP is probably out of the ordinary w/r/t their financial qualifying situation.

How does a property qualify for a renovation loan?

There are regulations around this, but give that this will be your 1st primary residence you would certainly qualify.

Buying properties that do not qualify for financing, thus eliminating retail buyers.