We're working with a new construction builder who has an in-house lender (Austin, Texas area).

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You should look into new construction, A builder like Lennar in Bulverde area.

The key difference, though, was he spent months carefully getting to know the local architecs, reputable builders, and even a couple of niche design firms that specialize in modern builds for mid- to high-end buyers.

Quote from @Caleb Brown: I think it's not as worth it for builders.

. -- Unincorporated counties -- historically, the more conservative, skeptical-of-regulation type of government bodies -- have clamped down.

That said, American Standard makes a good builder grade one that’s half the price.

Quote from @Michell Chase: I am working with a hard lender on a purchase/reno and they require a builders risk policy even though 1 unit of the 3/4 will have a tenant.  

These two zip codes are really up and coming and the builder that handles the construction is one of the driving forces for gentrification of the area. 

An idle brain/body just begins to get worse if you stop using them.