I have a few new construction clients right now who are flabbergasted by the quotes they're getting back.When I did build new, I did a ranch style with a walk out basement as it was the most cost effective way for us.I love raised ranches for converting into duplexes.  

That way when you go to refinance the property, your score is not effected by the outstanding balance on the card in the other person's name.  

It is very effective at paying for benefits like retirement funds if you want to go that way.  

Hey @Kristyn GrimesNot sure I have the answer here but would love to work through this issue with you because it sounds incredibly interesting. 

I did it about 10 years ago and it was incredible.

However, another seasoned investor in my neighborhood tells me its an incredibly bad idea, which I agree with. 

I don't really have a recommendation for the brand, just go for something that is cost-effective and appropriate for the neighborhood.

"I'd put that in the same bin with "We need to spend money on infrastructure" braggadocio by politicians to get elected.In effect, it'll prob be like stimulus check for $1B OR got 10 years back - It'll go in the GenFund, and then 80% will go to PERS (aka the budget blackhole).That's the problem is they're a good idea but mostly are "lets cut a check" and don't audit effectiveness.

Also it keeps your insurance from being effected. 

You might want to try calling these local municipal offices beforehand And talk to a helpful civil servant by phone in advance to make the most of your visit and minimize the amount of time you spend in person during this pandemic bc govt offices are incredibly backed up and stretched super thin right now.