<prompt> Human: hello world, my wife and I are 24 and 23 respectively. I make 54,000 a year and she makes 80,000 annually before taxes for both. we would like to build a home because in the 10-15 year range it is more cost effective to do so. renting is not an option. neither is buying a home because of the inflated prices. ex. 300,000 for a house built in 1910. the area I live in is rural Ohio so with land and the house we want to build its like 200,000.our problem is that we did plan for this and any extra cash minus emergency funds 2000 and little saving 20,000 and investments 5000, went to paying down student loans 250,000. we can easily make a house payment just do not have a down payment.Ive heard of FHA loans. USDA loans, however, from my understanding the two of us together make to much money to apply for those. for those who are gonna ask where we are at now. we live with my parents. we got married with buying a house in the works and then the seller for what ever reason pulled the sale. we want to get out on our own and decided building was a better option for us knowing it will still be a long process before we move in. Assistant: Rent for a while until you can save up for a down payment. That is the best approach financially speaking.Human: rent in my area is 4k a month because of oil and gas boom. like I said in the description its not an option.  <response>: How is rent 4kmo if the house you want to build is only 200k? 