>>2430572sorry, yeah -- earthship. basically a fuck ton of bags with rammed earth stacked up. don't get me wrong, great insulator and nothing wrong with the concept. just an absolutely monumental amount of work. episode of grand designs did one, and despite having an army of volunteers it still ook an entire summer to lay them all out (then the cob coating was another chunk of effort)
depending on the regs, you could always just get a 5th wheel and camp out in that while you do your building. but again, check with your county -- some states/counties are completely bat-shit-insane when it comes to living on land without jumping through the hoops for a certificate of occupancy or similar.
there might be some kind of specialty lender that does bare land loans, but i had no luck finding one. our first plot of land we were able to roll the purchase price into our construction loan (traditional stick built house); tried getting a loan to buy the adjacent 4 acres, but because we weren't planning on a build (and due to county regs it wasn't really buildable) no one would go for it; wound up having to take out a HELOC to purchase it =/
the deck is completely stacked against middle class people who want to fuck off into the woods. desu the path of least resistance is probably a traditional stick built house and roll the land purchase into a construction loan. upon completion of the build it'll convert to a traditional mortgage. the appreciation will almost certainly cover your PMI (20% equity)
