I would also get a couple more estimates, electrician's pricing is all over the board

If your credit score is so fragile that a couple inquiries will hurt you that much, then you have bigger issues to worry about.

I have yet to have a new build ever be done on time (which leads to problems moving out / renters moving in, and expensive interest rate locks extensions), 7 times out of 8 it ends up costing a couple points more than expected, so yeah, building a house isn't the coolest way I would try house hacking.As a side note, I've had an accessory apartment. 

.- I have been a realtor in Sacramento since 2014 and just recently after a couple of successful years as an agent I have gotten serious about investing, all thanks to BiggerPockets as well.

I live in CA to and alike you wanted to achieve financial freedom and with a couple of years of hard work I have been able to.Would love to help you in any way that I can!

1) 3 people family, couple with a 10 year old son, currently live in CT.

There are a couple of things that are left to complete, that we can find someone else to take care of.

Ripped through Rich dad poor dad and then a couple of Brandon Turners books.

Or if it is move-in ready, refi after you buy (and after any seasoning period required by the bank.A couple of things you'll want to look into first:  Make sure your debt to income ration is so high that a bank won't do a refi. 

Some offer more if your married depending on the bank you finance with.