Maybe just buying the basic home and upgrading it later is the way to go. More then likely you can get the built ins, flooring, baseboards, etc. much cheaper from a local business, and probably higher quality. Not to mention you don’t have to mortgage the cost of said upgrades over a 30 year period.

To do it over again i would have definitley done minimum builder upgrades and purchased them later as I had the extra cash as opposed to having them lumped into my mortgage. Live and learn I suppose.

Does anyone else see the logic in this approach, or am I missing something?