oh, just for the heck of it, here's an update on my building saga....
I finally found a contractor, and the bank didn't like them. I'm running my back up contractor
through my first choice mortgage company, and looking at back up financing for my first choice contractor (who, from the bank's response, maybe shouldn't be my first choice contractor). I think the problem that the bank has with them may be that there tend to be a lot of changes and change fees (just a guess based on the references that I spoke to)
In the meantime, my mom's house is under contract and she's scheduled to move here in mid-october. Working on logistics to get here here with her kitties. I'll fly out and return with her- hopefully by air rather than car. I'm hoping that the construction will at least be started by the time she gets here.