I assume that you will need to borrow some money to build the house...so I would suggest that you talk to your prospective lender(s) before you spend too much effort planning.
It is hard to get a loan right now. There are thousands of houses for sale that are not moving because the prospective buyers are not able to find anyone to loan them the necessary money.
Back in the early 90's, I decided to build my new house. Even with my wife and I having very good jobs, sterling credit ratings, lots of assets and no debt, I could not get lenders to loan me money if I acted as the general contractor. It ended up costing us a year of wasted time before we finally bought a modular home and put it on a basement. It also cost us 2% more in interest than it would have if we had been able to go ahead when we first wanted to.
It made me mad at the time, and I guess I still am not OVER IT!
Building a house is a huge job. The lenders are afraid that you won't finish it, and then they will be stuck with a partially finished and unsalable house. I guess I can't blame them--it is only business. But still it was a huge disappointment to us that we couldn't proceed with our project.
If somehow you can build without a loan, or can get a loan from family or a private party, it still might work. But I would suggest planning on it taking about 4 or 5 times as much time as you can think it could possibly take, especially if you are more or less working alone and holding down a full time job. Completing a home is a long series of hundreds of small jobs. It takes forever! Good luck!
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