re: Better to buy a lot up front or finance with home?

I would contract it out myself but I'm literally working everyday right now. Plus, the builders have bought all the lots in the neighborhoods we like and are only selling them with building packages. The guy I'm leaning toward isn't the cheapest, square footage wise, but is selling lake lots for $50,000 and non-lake lots for $38,000 while the other builders are selling the same lots for $65k and $50k respectively.