Stop in for a cup of coffee

It might sound simplistic, but can you have a backhoe start digging a foundation trench and claim that you have “broken ground”?

We can have the builder do that and pay him with what we have in savings but soon the county inspections start and we still need financing. Living in this RV another winter might be what we have to do, can re apply for building permit (I think 6 months to build is ridiculous) and save money. Right now we have a property payment along with storage bills so we can put away some but 10% down is a lot considering we don't own the land and it's included. I appreciate your comment, I don't think I planned for all contingencies. Banker was over 100K off with his "estimate" of appraisal.