> And he still has to buy a lot, permits, impact fees, and materials if he builds himself. This doesn't offset the massive cost savings. Generally, there are significant savings just from hiring your own general contractor to build your own design, and for the more capable, you can be your own GC, hire your own subcontractors, and save much more. The most savings go to the man who builds his own, and the savings are disproportionate, because of jewish lending practices (and how it affects housing prices).