Port Royale 2/Your Own Town

When you get to the rank of Boatswain, you can capture an enemy town if you destroy enough military convoys to make the nation weak, if the nation you are in is strong then go to the viceroy of your nation: Either in Port Royale (Spain) Grand Bahama (Dutch) Biloxi (France) or Guadeloupe (England). They will task you to capture a town if you are friendly with that nation and have a Letter of Marque. Attack the town and annex it, after capturing 2 towns you will get your own town.