Chapter 9

The Construction of Your Home

At some point, you’ll need to decide how much you want to be involved in building your home. There are three basic routes, with plenty of middle ground in between.
6 min read

#1 Do It Yourself (Owner-Build)

Mostly, you do just that—you build it. You might sub-contract items you don’t want or can’t do (excavation, HVAC, etc.), but you’re acting as both general contractor and builder in many respects, often stacking your own logs.

A reality check: a person has to do most of the work themselves. It’s surprising how little productive time remains once you’ve “rounded up” tools and materials. Don’t depend too heavily on family and friends; they have a way of disappearing right when you need them most.

DIY (or Owner Build) works best if you are very handy and willing to put lots of weekends into the unfinished build—finishing interiors and landscaping after the roof system is on, for example.

Be aware:

  • Decks and materials may sit exposed longer than expected, which can lead to issues.
  • Interest on your construction loan adds up quickly, and you could pay more than if you had hired a builder.

There are two valid reasons to consider DIY:

  1. To save money, and
  2. For the satisfaction of doing it yourself.

If someone in your family is a builder by trade—or if your home is very modest and you can afford the time—by all means, do it.

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#2 Act as Your Own General Contractor (GC)

Here, you don’t do the physical labor, but you line up and manage subcontractors for the different trades. You’ll be scheduling, coordinating, pulling required permits, and keeping the budget on track. Expect to hire subs for block/foundation, framing, plumbing, electrical, HVAC, and finishes—and to keep all of it moving.

Think of this as “house-sitting with a clipboard”: less hammering, more specifications, scheduling, and oversight.

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#3 Hire a Turnkey Builder

A turnkey general contractor writes one contract and covers everything—from excavation to landscaping and even interior decorating and furnishings, if desired. You’re handed the key when they are done.

Hiring turnkey is by far the easiest and most successful path for most people. Unless you are a builder yourself , it’s usually better to let the GC run the project. If your builder allows limited participation, great—but it’s not always feasible.

It’s hard to argue against the satisfaction of doing some work yourself, but if you don’t have the time, skill, or resources, it’s better to let the GC handle it. Hochstetler normally recommends budgeting for all labor costs as originally stated, to make sure you can complete the project properly.

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Choosing the Right GC or Builder

Before you sign a contract or pay a deposit, consider the following:

References. Get at least three. They don’t have to be log-specific, but they should be real past customers. Visit completed homes if possible. Ask suppliers and banks as well.

Integrity. Integrity is more important than experience. Watch for bad-mouthing, blame-shifting, or dishonesty. Ask references how the builder handled problems.

Experience. Experience helps, but a conscientious builder who follows the manual is often better than someone who insists on doing things “their way.” Best case: you find both experience and conscientiousness.

Job site. Visit a current project. Look for neatness, tidiness, and professionalism.

Contracts & documents. Never let a builder work from sketches or another company’s illustration sheets without blueprints. Blueprints are the binding document between you, the builder, and the manufacturer. Contracts should be clear, with allowances spelled out.

Warranty. Most builders warrant their work for a year or more. What matters more is whether they have the resources and commitment to come back if needed.

Insurance. Ask for a copy of their policy. Don’t confuse builder’s liability with builder’s risk. Make sure you’re covered if they’re not.

Professionalism. Look for clear, itemized estimates, not “ballpark” guesses. Professionalism shows in safety, paperwork, and customer communication.

Additional considerations.

How long has the builder been in business under the same name?

Check the Better Business Bureau for complaints.

A Final Word

Remember, design decisions don’t end at blueprints—fixtures, finishes, and details will keep you busy until move-in day. Choose your path (DIY, GC, or turnkey) with eyes open, be honest about your time and skills, and make sure your contract and drawings match the house you intend to build. That’s how you protect your budget, your schedule, and your peace of mind.

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