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

Many times the builder can get the lot at a discount or has tap and landscaping budget (or all) when builder buys lot from developer. Factoring in this and carrying the construction loan.

I'll agree with majority subbing out should only be done by experienced individuals.

Make sure you are aware of specs for your particular house, as builders in "parade of homes" tend to show finest upgrades to lure you in. If you know you want steel Kohler tubs in biscuit, oil rubbed bronze moen faucets, soft close cabinets, etc... Detail it in contract. Leave no wiggle room for builder on your must haves.