Good luck with the coastal and planning committee. My friend is on top of it and has had his project postponed for over a year and a half. Also, are you sure it is cheaper to build? Materials and construction cost are way up, I would redo the math. On another note, if you can’t afford to buy, then you definitely can’t afford to build. I spent hours upon hours trying to do the very thing you are talking about, and other then building a manufactured home, which the commission won’t let you build as I understand, the cost was never cheaper and the risk of delays never made it worth it. I don’t think it is possible to build without hemorrhaging cash at some point during the journey. Sewer is also an issue here and many areas are on septic. That was sometimes a drawback as well. I also doubt you will get anything under 400k that is not on the 5.You wanted opinions, so there you go.