@Stefano Vrolijk it all depends on your credit history, whether you have an SSN/ ITIN and how much you can put down.

. Haul away any demo/trash – Owner pays for cost of trash – contractor to provide all the receipts Pick up any/all materials for project and deliver to jobsiteKitchen Install new cabinets. Remove soffit and half wall, reposition outlets and switches. Extend half wall to match hall. Install bar island (12 inches) on half wall. Install two pendant lights above the half wall. Install new tile on kitchen floor, including floor cement board and tile. Install new appliances (refrigerator, range, microwave, dishwasher, and garbagedisposal). Run dedicated electrical lines to the refrigerator, range, microwave, dishwasher, and garbage disposal. Install faucet and cabinet hardware. Install all necessary plumbing Install backsplash. Move outlet from behind range to more optimal location Install GFCI outlets within 4 feet of each other along counter space.o At Least two dedicated lines – all on GFCI breakers and at least one GFCI outletper circuit Install dedicated electrical circuits as follows:o Microwave: Dedicated 20-amp circuit (12/2 NM wire with a ground).o Garbage disposal: Dedicated 15-amp circuit (14/2 NM cable with a ground).o Refrigerator: Dedicated 20-amp circuit (12/2 NM wire).o Gas range: Dedicated 120-volt, 20-amp circuit (12/2 NM cable).o Dishwasher: Dedicated 15-amp circuit (14/2 NM cable with a ground).Bathroom Demolish existing bathroom elements. Install new cement board on floor and tub surround.o Seal with cement tape and red guard Install new fan, light, mirror, vanity, and replace toilet lid. Remove old tile and install new tile. Install new hardware and replace any old drain and supply lines. Install niche and tile from bathtub to ceiling. Install new bathtub and GFCI outlet. Light and fan on same switch Install all necessary plumbingLiving Room Install sliding door board trim. Install spot lights. Install 3-way switches in the hallway, living area and staircase (where marked). Install new air vent covers.Hallway/Staircase Install 10-inch LED light. 3-way switch (one near kitchen other near bedroom) Place laminate with Metal bullnose Install spotlights over staircase and one at landing at the bottomo lights on 3 way switchesBalcony Paint railing. Replace lightBedrooms Install spotlights in bedroom (up to four per bedroom). Install new fan. Spackle, sand, and paint. Paint closets and shelving, ensuring proper installation of shelves. Install spotlight in walk-in closet.Outside Paint stair railing. Install or repair 2 doorbells. Install or repair 2 exterior lights.Materials Included Cement/hardy board, drywall material. Granite slab for countertop and bar. Kitchen sink (D shape). Setting materials (thinset, grout, drywall tape, red guard, etc.). Baseboards, door, and balcony trim. Plumbing materials (excluding fixtures). Fastener screws.Total labor cost: $13,000

So many dependent on government.

It looks like you are doing an affordable build based on the cost but hard to say since you didnt provide info on the build itself such as square footage and finishes.

I'd be more than happy to provide you with a couple recommendations if you need?

Depending on how long it takes you to save up the amount, you might want to also allow for inflation on that amount for your continued savings.[2]   Read Rich Dad poor dad.[3]   Think about getting a second job - possibly a temporary job - save a 100% of the money.Just my 2 cents.

Quartz is a little tricky, but for the most part, a slab of Calacatta will cost somewhere around $750-$1,250 depending on the grade and thickness.

Best I can tell all in all we about 3X cash on cash over 5 years.infil lots depending on lot we could double our money in 9 to 12 months cash on cash.. so on and so forth.

My software provides me with that data so all I do is print it out and give it to may tax accountant. 

All depending on perspective.I would take it with a big grain of salt, I think Opendoor is trying to drum up interest, given how many properties, they and other institutional buyers, are having on the market (e.g.