<prompt> Human: Hey reddit, hope your July 4th is going better than mine. I done fucked up. Its looking bleak and Im desperately searching for options, advice, and help from anyone who may have been in a similar situation. So, heres my story...2 years ago, graduating Grad school I designed a house for a new aspiring young professional couple my gf and I - not married. The house is a 2br, 3ba with a tenant suite, an attached garage in a very contemporary design, green building. It may have been overly ambitious in retrospect, but everyone Id talked to at the time thought it would be a great investment in an awesome up-and-coming neighborhood. Id been with my firm for 10 years, very stable jobincome, sizable savings, and looking to settle in the city. My girlfriend currently owns the home were in, and Im not party to any of this property ie shes isolated-ish from my mess. Working with the local city councilman, we found a land-banked lot controlled by the city. I purchased the property and went construction loan hunting. Long story short, I found a bank who would fund the project. 212K project funds. We set aside a 737; contingency a little on the low side, I know. Everything was ready to roll and we started construction in December of 2017. Right off the bat, we were unexpectedly forced to remove two large trees on the property we had expected to keep both 4K in clearing and stump grinding. Ok, that sucks, but that was covered project contingency funds. Excavating the foundations, we encountered a large old building foundation that didnt show up on the geotechnical report, portions needed to be removed and back filled 3K. As were purchasing our lumber package to begin framing the house, Canadian lumber prices jump 2037;, ooff, another unexpected 2.5K. Once were under roof and enclosed in spring of 2018, there was a structural issue which required additional steel framing to secure the building, 4k. Thats about 8037; of the contingency, time to start cutting scope hard. Working with my contractor relations, all the plumbing fixtures were donated awesome!. Door frames were contributed to the project, but we still had to buy doors. Due to the structural issues above, we had to replace one of the fire-rated garage doors we had previously purchased 1k. We dialed back finishes, opted for cheaper flooring, got rid of stone finishes, went with cheap ceramic tile, revised light fixtures, started tearing into all the options to cut scope without impacting the overall design and quality of the house. We get through all our mechanical, electrical, plumbing, and insulation with only minor issues. - 100 here and there from our expected costs. We get to drywall and painting and the sub we had contracted backs out of the project due to his workload and delays. The next lowest price was 5K fuck me. I searched for more options, more contractors, negotiated what I could, and go it to 4.5K. god damn it. Siding package, unforeseen trim expenses. The house was broken into one night and a window was kicked in. Insurance deductible was more than the cost of replacement, so we had to pay that out of pocket. At this point our contingency was expended and my savings for the house had taken a substantial hit, some of which had been earmarked for appliances and furniture.We put my GFs house on the market June 30 and being the awesome neighborhood that it is, we had an offer on the house within 3 days, and are set to close on July 30th. So, the crush was on to complete our new house. Finding a short term lease, to hold us over a few weeks may be an option as we finish the house and get occupancy or partial if necessary. Then I got the worse news of the project, I was notified by the city that the existing water line we had expected to reuse failed its inspections and would need to replaced. The new connection to the main would be at our expense. Requiring a street opening, city contractors and repairs, 8K-12K. Despite many exchanges back-and-forth with the city officials, the engineers, and councilman, they are maintaining it is the Owners responsibility to cover these expenses. Thats the nail in the coffin.As it stands today, July 4th, Im 9037; complete. Ive paid out 185K of the 212K available in the construction loan. Were over budget by 2037; and need about 20K above the construction loan to complete the house. My resources are tapped at this point. Ive been contributing my time and labor, installing tile, wood floors and cabinets to keep the project moving. Ive come to the realization, that despite my efforts, I cant afford to finish this house and I dont really see a clear path forward. Ive gotten advice ranging from declare bankruptcy, to sell the house unfinished and assume any additional debts. Ive barely slept for 3 days, and am nauseous from the stress, worry, and frustration at my poor judgement and foresight. I dont want to bee seen as the failure, or incompetent over-ambitious kid who thought he could build, but thats the corner Ive painted myself into. Ive struggled to accept it. I spoke to a realtor last week. Off the cuff, without seeing the house he thought the value of the home was 250K - 280K. The bank appraised the house at 380K - 400K when we applied for the construction loan. Im not sure there is any equity in the home to borrow against in the state its in. My next call tomorrow morning will be to the bank.TLDR: Spent too much building my house and cant afford to finish. What can I do?  <response>: Project has actually not gone that badly at all. Building is not for the meek of heart and no massive insane overages. At this point you are close to complete so you borrow more money or tap retirement to finish it.Bankruptcy is a ludicrous and completely inappropriate option. 