But again, CSLB laws REQUIRE that $500 be paid only to a LICENSED contractor, NOT to any body else even if it was the neighbor or the neighbor's adult son that could really use the cash.

Maybe some specialty programs exist for prefab homes or a custom ADU builder might have his own lender partner they could refer you to... but unless you yourself are an experienced home builder with a track record in ground-up construction, you're basically looking at a hard money or a HELOC.

I assume that it may also be cost effective to go with a builders templated design as the design docs have been completed and approved by city?

. - Uses permitted.SHARE LINK TO SECTIONPRINT SECTIONDOWNLOAD (DOCX) OF SECTIONSEMAIL SECTIONCOMPARE VERSIONSNo land, body of water and/or structure shall be used or permitted to be used and no structure shall be hereafter erected, constructed, moved, reconstructed or structurally altered for any purpose in an RU-2 District which is designed, arranged, or intended to be used or occupied for any purpose, unless otherwise provided for, excepting for one or more of the following uses:(1)Every use permitted in RU-1, RU-1M(a) and RU-1M(b) Districts.(1.1)Workforce housing units in compliance with the provisions of Article XIIA of this Code.(2)On lots meeting the requirements for two-family use, every use as a duplex or two-family residence, including two private garages.

Lots of issues from taking too long with builder and permits and loosing funding to bad info from property manager about my STR.

Does anyone have experience with modular home builders, buying plots of land, or new construction?

I am looking for a builder to partner with who will finance building costs (and get reasonable GC fees above cost for their efforts as well).

Did the builder guarantee a waterproof basement for you?

Second, depending on the value of the home thsi can easily happen and the builder should have told you.

Builders need cash and emergency cash funds, you do not want to be using credit cards that you can't pay off to build your home while already having credit card debt.