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It depends on the bank and the extent of the issue. Some banks will lend against homes with minor foundation damage, but most won’t if the issue is structural since the home acts as collateral for the mortgage. Banks that offer renovation loans might still finance a home with structural problems. More minor issues like settling cracks and intermittent problems with humidity are unlikely to stop a bank from financing.

The early stages of building a house are harder than the later stages; laying the foundation and framing the house are two of the most challenging steps. However, it varies for everyone. Some people have difficulty installing HVAC, plumbing, and electricity, while others find it harder to plan the house and secure the necessary permits. 

Water can seep into porous materials like wood beams, floor joists, and roof rafters within minutes, but they’ll need to see prolonged exposure before you have structural damage. Mold can start growing within 24 hours, and mold can eat away at the structural components over time. Wood rot is more of a concern, though. Wet and dry rot are fungal infections that set in in moist conditions and rapidly deteriorate wood, causing major structural damage within just a few months in some cases.

Trusses and rafters each have advantages and disadvantages, so one isn’t necessarily better than the other. For example, trusses are more affordable and often come in prefabricated kits, so they’re easier to build than rafters. However, rafters are available in a variety of designs, so it’s easier to find one that fits your style preferences. Plus, if you want to build an attic at some point down the line, it’s far easier to do that with rafters rather than trusses.