But once at that first business activity, then any trips to the bank, hardware store, post office other job sites, are deductible soyou can be creative.  

I mean which one is efficient for limited time workers?

Being in Ontario CA and not in the USA, there are alot of differences.In the USA, for the IRS (tax office) to consider a lease w option not a disguised installment sale:STRATEGIES TO AVOID RECHARACTERIZATION OF A SALE IN THE USA:Where the parties want to avoid having the lease/option recharacterized as a sale, the overall planning strategy is to avoid or minimize indicators of a deemed sale as follows:1.

Even if your lending officer says this will work, you'll get denied down the line when they get the documentation required to close the loan.

He will have to pay worker's comp for those "contractual labor" (not sure what that means, day labor?).

The reason that I tell you this is because this weekend I am going to be in NYC at the regional office giving a presentation and won't be available until monday. 

Find out what their criteria is.Typically they require an appraisal ordered through the bank that shows you have passed the 20% threshold and that you've had the loan for a certain amount of time.Read over your loan docs and or contact your loan officer for help.

@Edwin PinaIf you are an "investor friendly" Brokerage, then you work with ALL types of investors and, like us, are investors themselves.If that is the case... and not just hype, then the three suggestions are inherent to doing business.In our case, we are a larger HUD Brokerage, and because of that have a strong relationship with a HUD approved Title Company with multiple offices who can do a number of things:Mail away closings - We support investors as far away as NorwaySimultaneous closings - We work with a number of wholesalers so this is vital.

The county clerk's office is where real property records are found but you'll likely only find the subd. plat in those records. 

RR I've seen underwriters condition for that, and it's your loan officer's screw-up for asking anything of you...