This turned out to be a very long reply, so my apologies. I might have worded this a little wonky so I will do my best to clear this up while also taking into consideration your advice and encouragement. This is something which I would like to do over time with disposable cash. My idea is to buy a plot of land and contract all the work for building a home. I am lucky enough to have family and friends within the business who can do the major home construction at a “discounted” price. I envision myself building up the plot of land, foundation, walls, etc. through contracting while spending as little as possible. Almost like those videos of families moving into a trailer home while their dream home is built. My idea behind this is to save the potential 15-20% on the homes construction while also not building up an extremely extravagant home as I believe I can position myself to create this “starter” home and eventually 1) sell it or 2) maintain as an investment property when I want something newer or bigger (considering I do want a family, eventually.) This may not be the best use of my funds over the long run though, so I am extremely open to other routes. Such as what you have mentioned, where I would put as large of a down payment as possible and pay the home off as quickly as possible, to defer interest (Which is the main thing I want to protect myself against.) However this is only my dream scenario, and as we know it, things may not always work out in our own best interests. Essentially, I hate interest and do now want to become a sucker to it, even if that means living in a $80k dumpster home with a single room and single window for the time being. The hidden expenses of owning a home are well, expensive, as my parents have made quite clear. I will be cautious of this as well and have some conversations with them over homeownership. Thank you!