I’m going back to your original premise, which is that you want to go to an elite college. In your rush, you are ignoring the most obvious and sensible option, which has been stated many times by numerous posters. Take a gap year and don’t just focus on academics, because the top colleges want way more than that. Figure out what the colleges want.
Top colleges will view what you said about having no opportunities to do stuff as an excuse. Where you live shouldn’t have an impact on your ability to think outside the box. You can volunteer in myriad ways, regardless of where you live. You can get a job. You can give music lessons. You can tutor. You can start up another successful business venture. You can try to publish something. You can help others. You can be an activist. Pay attention to David Hogg and Greta Thunberg. How about the achievements of Mozart or Bobby Fisher? All are/were young teens when they made their impact on the world. This isn’t to say you must make a global impact. It means you probably need more than what you’ve got.
You have said your parents are wealthy and supportive of you. Maybe they can do more to help you make the most of your homeschooling experience. Your job is to figure out how to maximize your opportunities in a way that aligns with the goals of the top colleges you aspire to.
@Homeschooler14 no, that is very important information and it needs to be included. Your age can’t be ignored.