I had officially come to the decision (along with the help of my husband and homebuilder of a father) that it was absolutely most cost efficient for us to buy vacant land and build a house. A small energy efficient house. All of the places that we looked at needed new roofs, new windows, new furnace, etc. We figured it was less expensive to put these on a new house. So when I finally heard back from the loan officer at the FSA that they would not approve funds for the building of a house it took the wind out of my sails. I called around and to see if there was some way that this could still work and it seems like there is not, at least not on my budget.
I spent the better part of the day yesterday freaking out and looking through real estate listings. Someone seriously needs to stop me from looking through these listings. We simply cannot afford what it is that we want and spending hours combing through these listings is not going to change that. We have been over this so many times and revised where we are willing to make compromises. In the end it turns out that I am still financially uncomfortable moving an hour away from the city and living in a drafty old house that needs a lot of work. The dollars just are not there. They might be some day, maybe even someday soon, but right now they are not so the deal is off. We are not buying land this year. I am hoping to work something out with Grandpa. He has really been resistant to change but there has to be a way to do something that will help a little. I have decided that there are three things that I really need to make this farming operation profitable:
1. More land.
2. Some really great plants. You know the type that are a little pricey up front and take a few years to get established.
3. Infrastructure. Like a well, a greenhouse, a shade tent.
I can really only afford two of the three, so I am hoping that a little more land will materialize in the form of a long term lease. Again, cross your fingers for me.