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Most cottages are around 1,000 square feet, making them smaller than most other styles. However, cottages are defined more by their decor and architectural focus on simplicity, functionality, and a connection to nature than they are by a rigid square footage or floor plan. While cottages are defined more by their charm and appearance than size, the smaller footprint does help maximize the comfort and charm, and it keeps the focus on connection to nature and family.

A construction-to-permanent loan is the most common type of mortgage used to finance a house teardown and rebuild. These loans include financing for construction costs and convert to a long-term mortgage once construction is complete. Check the terms of the loan closely before beginning work—there are often restrictions requiring you to use licensed contractors for all work.

A construction manager is particularly useful in the case of a large-scale build with custom design elements, so it’s usually worth it to hire one. They can help manage your budget, maintain quality control, oversee timelines, and navigate unexpected hurdles. While construction managers are pricey, they can actually save money in the long run by identifying cost-saving opportunities and ensuring the project stays within budget.

While some highly experienced homeowners can frame a house independently, it is not advisable. You will need ample carpentry experience, a team of helpers, and professionals to sign off on your work to meet local building codes. For the safest outcome, we recommend buying or building a house with the guidance of professionals.