@Robert Ellis Since you mentioned panels, have you looked into SIPs at all for your builds? 

Must have solar, ev charger etc.My materials distributors are expecting more inflation.Homeowners insurance is still going up.I wholly expect CA residents to continue to move there (wished I'd bought there!

That will have me in at about $320K plus the solar loan.

I just added solar to the project this year.

I live in a small rural town in MissouriIts an airbnb but I've had people from a solar plantation project in there for the last 5 months renting out at 2250. 

The property is unique—it’s off-grid with a well, solar power, and a fully finished interior.

Also had to replace fuse panels to make it work - going back and forth with the city was dificult.

I spoke with State Farm, but they require plumbing and electrical panel upgrades just to consider reviewing my application.

Also doing all new plumbing and electric service/panel upgrade to 200amps.

I wish you would have told us the year, it makes a huge difference.Anyway, everything you mention, plus 1) get a camera run on the sewer line, 2) make sure the Elec panel is newer and sized correctly (a lot of HIs will just say if it's functional or not) 3) Foundation ( is it slab or raised?)