The money is there to borrow.....at 10% interest.

I would rather pay as I go.

Dane..I know what you mean about concrete construction to live in....but I plan on having more window openings and sliding doors than solid wall............

that hurricane can blow everything out...I just have to refurnish.

not to mention being able to get insurance.

Definately agree with necessity of engineer....but I think that my 17 year old son can do the architectural plans for a conrete box with lots of holes and flat rooftop deck.