Decide whether to build house. Get talked into building house. Get rushed into building house by prefab dealer/parents (prefab dealer is their friend). Compromise on several aspects of house. Get volun-told that I'm doing a ton of the work myself. End up having to do this work in sub zero temperatures. Struggle to finish work, while working full time. No permanent CO. Three months over the "typical" timeframe for a house this size. Typical time frame from the house being dropped to it being completed by professionals is 3 weeks. No mortgage yet due to multiple issues with construction loan to the point where construction loan is no longer possible and we have to switch to mortgage, but can't get mortgage until permanent CO is issued. Throw in the compromises that are going to come back to bite me in the rear end when I ever get around to finishing the basement and when does being a homeowner start paying off?