Beepster I can't imagine being in your situation and I wish you the all the best.
I can relate to Herbs views even though there are so many issues with the housing
market I've never understood and never will.
The biggest reason is because of the conventional design. It's just my opinion that people
live in dwellings that have the same dumb design problems from the day we moved out of caves. ( I know that some aren't facing "common" issues)
I could very easily make a list of every stupid thing about a conventional home. Then it is
magnified to an amazing level of insanity when people are stacked on one another. (opinion)
I believe it is much like the viewer in the stands can see the play much better than those
on the field.
Money is without doubt the factor that controls ones selective options.
Then one is faced with choices due to location and availability.
At a young age I remember the impact that "a mans home is is castle" had on me.
By the time I was 18 I could have tested (and passed) to be a plumber and/or a general
electrician. I had the carpentry skills and drafting skills to build a home. There wasn't
anything to do with building a conventional "castle" that I couldn't do and didn't do.
So I helped a friend build his first home. It was a big home on a good size lot...to long ago
to remember the exact dimensions of either.
What I do remember is thinking about how stupid many of the conventional code enforced
requirements where.
We talked and I recommended many alternatives but our hands were tied because we had
to meet inspection requirements and my friend didn't want to spend the time trying to get
our/my modifications approved.
The main issue was that he was borrowing the money from a bank and they would not finance a "custom" home. Simply if he faulted then they figured it would not be easy to
sell it/recover the money.
So....I knew that my "castle" would be at the mercy of conventional stupidity unless I
had the cash and property to do it as I thought it should be done. I wanted control of not
only which direction my front door faced but also what was under my floor and inside my walls...etc. ( so plumbing under concrete is smart conventional design? You have to be nuts to think that is smart....IMO) ...oops...I'm getting wound up now LOL.
From my point of view Beepster.....you are in a position that would scare the living hell
out of me.
First.....not having the cash to avoid all the crazy and down-right stupid issues with a "home".
Secondly....I have always felt that I could face most anything if I had a home base to work from and no reason to worry about losing it.
Unfortunately I never got the opportunity to build ( but it's not over) but I did get a
home base and it's mine. Luckily I got it grand-fathered in so it's also property tax free.
So there is only one cost associated with the house and property which is a city tax of about 17 dollars a year. (excluding utilities naturally)
With this you can understand why your position is so scary to me and that it is complicated
in the fact that should you find a place it is by design to be the thing that irritates me to the bone....it will be a structure that is flawed beyond any logical reasoning mind. It will be
a conventional work of fart.
This situation of yours is not the first I've heard...
Some years back I had a very good friend, he has passed, and we were talking about this as one of his friends had a family and they were struggling with finding a home.
I thought about things for a few days and drafted up a gated community project.
It was designed to include a small non-profit store for basic needs, a community laundry.
A family park that would be in view of all the "homes".
The homes were nothing as we know as conventional. They were shelters designed to withstand tornados. (and ideas I don't care to post)
The funny part is he got to moving to quick..while he was working on getting the property
he told his wife he was going to clear a large part of their property to build a prototype
dwelling. She went nuts!
Then he passed...after services is when she questioned me if all that was my idea...
So now...I feel for you and wish you the best as I have learned to keep my serious suggestions to myself...and for myself.