I am extremely skeptical of many subject to deals even before we get to the due on sale fears - and the fact that many deals were previously NOT called  for due on sale in prior years is not a reliable predictor for what WILL happen going forward in this space.

@Amy KimI recommend connecting with @Mark Ainley

We've done buy and builds ourselves or can do BTS's but retail medicine in general has a hard time making the debt on a ground lease work, so if you are looking to do that the medical space is likely not the user for you, but if you were looking to BTS or to sell, its a solid end user to work with.

I’m going to look for a place with garage and more yard space.

I'm not knowledgable in this space I was told to connect with a commercial attorney.

The commercial space is 1/3 of the building or 33%.  

Long before you reach the 10 year mark and start making payments, you can refinance your heloc and start over if needed, as long as the equity has not decreased.  

Ultimately, if you find the right land and feel confident in the building process, it could be a great way to create a space that meets your needs.

Use professional photos and consider drone shots to capture the beauty of the property from above.Create an Inviting Outdoor Space: Set up comfortable seating areas by the lake or on the deck.

And the rest of the space?