A contractor isnt there to finance the customers project . 

Why we build the same floorplan over and over again:1) Easier for Trades and Faster Build Times: Our trades have been working on the same layouts repeatedly, so they have become more efficient.2) Less Mental Space for Decisions: We don’t spend too much time deciding on which floorplan to build, we focus our time on growing the business and serving our customers.3) Best ROI based on Square Footage: The floorplan we build gives us the best return on investment.

They also have amazing customer service which makes the monthly payment model worth it for me.

One of the big challenges, as you may be aware, is the permitting for this type of community.

However, this exemption often depends on specific criteria being met like building permits, zoning compliance, and certificate of occupancy for the newly created units and you would get this from the LADBS.

The county is going to go off the building plans/permits.

These both seem somewhat high though considering I’m not trying to build anything too fancy or custom.

During the mortgage crisis i worked as a loan officer for a very short period , in that time frame i saw how shady that part of the business was, customers where signing documents blind and for that very reason most lost their homes, everyone was taking full advantage of the situation and trying to get a wealthy as fast as possible before the party was over.What i dont like working with loan brokers/officers is that there is a lot of jargon in their paper work that they only understand , i wouldnt want to get stuck in bad mortgage deal .

The parts behind the paywall will allow us to focus on our paying customer - the LPs.

Becoming an employer adds a whole different layer of rules/taxes etc in addition to that it might not be permitted by the Broker