<prompt> Human: My lady has over 60k at her disposal. I have about 15k at my disposal. She got the idea of building a home, but then quickly shifted to the idea of buying a modular home. We are looking in a small beach town in NJ. A house is for sale with an awesome lot of land that ABSOLUTELY needs to be torn down. It is now listed at 70k. We are confident we can get it for less 40-50k and possibly even torn down for free.We have to make moves relatively soon. The town is going through a lot of changes ever since a storm hit it in 2012 and we believe the cost of houses there is on the rise, but even if it is not we would be happy with this place.Some details.- we both have excellent credit- I own a condo that I could easily rent for 1,700 a month or sell for 170k.- we have no debt- we make a combined 110,000 a year.- the house would be at a high elevation and would require a large foundation due to the requirements put in place since the storm.Any tips or advise is welcomed.  <response>: Find a lender that will finance you for the construction loan. Modular homes are depreciating trash. If the landhome are in a good area that is increasing in value you will thank yourselves later. 