My friend Gordon Kane who owns the Poway Help U Sell bought a lot (or shall I see obtained a 99 year lease) south of Rosarita and is building a home there. I do not know if he paid cash for the new construction of got a construction loan for it. He is a super good guy and if you called him at the Poway Help U Sell office he would be more then happy to give you details. Powayseller knows him as well.