Metal house.

Insurance
Comps
Financing.




I personally think barndominiums are awesome.

Is that yours

Yes. It’s turned into a retirement project. We started as a shed and had plans drawn. We changed some of the layout but we love the 27x50x12 great room. I’d have competed the 3.5ton heat pump by now but the 2 ton mini split in the great room cools the whole place, takes two days to cool from 84 to 73 but then holds temp. Foam is amazing.

I’ve already been told by one banker since it’s a nonconventional building harder to get long term fixed rate mortgage.

Usaa currently. Might switch to Hoheim prairie.

There are no cons if done correctly. I've had a cheap steal building 6 blocks from the ocean in Myrtle Beach for almost ten years. Its where I went in every storm/ hurricane. Has been 0 maintenance. Make sure to spend the money on upgraded interior structural tubing/beams if in a wind storm prone area.

Theres a company around that builds for $125 per square foot true turn key. The Barndo Company, I just walked a custom build they did in Highlands NC. And the average home price there is $800k. So yeah, they can be made pretty.

What about the framing materials? Upgrade to 2”x6”?

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Not sure if this is true, but I’ve also heard that the construction method scares off lenders. Supposedly they’re nervous if it’s a post/frame with posts in the ground. And then some lenders don’t understand that there’s a more permanent method

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Looks like you explained why it’s true in the next paragraph though.

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Is financing one a problem?

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Traditional lenders might not be comfortable but there should be a specialty lender. Barndos are very common in TX where I am. We did an unconventional build for our house but not barndo (ICF walls w/rain collection for water). Capital Farm Credit was happy to finance but they’re only in TX. With the right search words you may find similar in LA.

Barndos are great.

I built my whole house out of ICF I Louisiana. Hired a contractor out of Tyler Texas to do the ICF. Two stories. Never worry about storms. Not even a little bit. Energy bills half of what my neighbors pay. I had zero issues with financing and my insurance was actually cheaper bc of construction method.

We did Nudera 6” concrete with #4 rebar, 2” of foam on each side. Roof is screwed into walls and reinforced with hurricane clips, spray foam insulation. Master closet doubles as a storm shelter (inside a house that is basically a storm shelter) with a steel door.