However, even after being in the game for 5+ years and cutting down costs a lot, for example there is a "Home Depot" warehouse 2 hours away, everything is 50 percent off store price, if not negotiable).

Because of this I would have to cut the pre-fab shower wall to the window.

Toyota, Honda, or some old piece that you could trade Grass Cutting for the summer and a Carton of smokes for, at some point or another may need a jump.

Find ways to cut down your living expenses and get a second job to increase your income. 

That's just simply that I don't want the headache.

I read somewhere that it's a violation of the chapter seven injunction, but I"m new to all this and simply trying to figure it out. 

You are cut off from participating in something that people with money can.

In the previous example I just cut the tree down and had roto rooter clean the line out one final time.

(1) Don't try to take advantage of anyone simply because you can.(2) Adverse possession laws can vary from state to state. 

You could probably also forgo the garage below, which might cut out some of the cost (though not as much as you think), and also use a more cost-effective builder.