Which of these two options would you do?

[Bruce Woodruff]

One of our places is getting busy enough that it has me thinking that opening another (on the same property) would be smart.

Option #1 - Build a smaller-size cabin, less than 400 SF. [I would build it all myself except for septic]. Do not get a loan, but rather use proceeds from existing STRs to finance this. High-end finishes. I'm saying $40k for this.

Option #2 - Buy a premade shed and finish it off very high-end. Use their financing. (See pic)  Price $30-40k

Staying under 400 SF because that is where the cutoff for permits is. Meaning a lot less fuss to build something smaller. Thoughts?