I see many houses around here that would have benefited from some professional design help. It seems that people like to spend more money than they need to . These houses look complicated (if it looks complex then it is expensive) and yet they are obviously intended to be low cost housing. Not many people (or banks) "get" that spending money on an architect or designer up front can save them much more money in the months to follow during construction. Perhaps it is similar to solar hot water systems. Spend 5k to 7k up front and it takes 5 years or so before it is paid off in savings and then it starts saving money. It's like putting and extra $50 in the bank every month. That's an extra $6000 dollars over the next 10 years not counting for interest and certainly not counting for rising oil, gas or electricity costs. There was a picture in this month's "National Geographic" showing a Chinese subdivision from above. Many of the houses had solar hot water systems on the roof. They must be smarter than us.