Gorgeous Rocky Mountain Tiny Home -- Is It BBQ Weather Yet?
We are pleased to share the latest completed tiny house to leave our shop, a custom 24â€² build that was delivered to a newly wed couple in Albuquerque, NM. The shell is constructed of Structural Insulated Panels (SIPâ€™s) which are then finished out with gray stained cedar lap siding, natural stained cedar shakes, and galvanized corrugated roof on the outside and white tongue and groove on the inside with walnut stained accents/flooring.
This unique design centers around a set of French Doors that sit on the wheel well. You enter on a platform that is about 12â€³ above the main floor. Below this platform are pull out drawers for storage. On the left side of the platform is a ladder that climbs up to the sleeping loft that fits a queen size bed. The portion of the roof also has dormers on both sides for increased head height and airiness.
If you're building your own tiny home here is some important information. If your tiny house will be on a slab or foundation, then to be a legal residence, it must conform to building codes and most likely, go through the permitting process. If you follow this path and build in accordance with zoning & building regulations, I recommend using a realtor to help find your land. It can be tempting to try to save money by searching for cheap land from eBay or another auction site, but buyer beware! Without a professional involved, you'll need to be extra diligent in researching for issues like back taxes, liens, hazardous waste, former meth labs (especially with burned out buildings), mineral rights, water rights, moratoriums on building due to water scarcity (mostly in CA), depth of well needed to get water (mostly in the desert), minimum lot size required to build, whether there are wetlands on the property, whether there are endangered species there that prevent building (scrub jays in Florida), whether the property is landlocked or otherwise inaccessible, whether the photos are of the actual property or just the area, zoning, what the HOA rules are, etc. This information is rarely disclosed on eBay or Craigslist.
If your tiny house will be on a foundation and meet building codes, you may be able to obtain a construction loan or mortgage. However, some banks won't loan money for a house that is under a certain square footage (often 600 square feet) or a certain price (for example, $50,000). If your tiny house will be on wheels and you are buying it from a certified RV builder, you can get an RV loan. Terms are generally shorter and interest rates higher than for a conventional mortgage. If traditional construction, mortgage, or RV loans aren't available for you, consider private or peer-to-peer lending like the Lending Club, Prosper, or Tiny House Lending.
Insurance can be obtained fairly easily for tiny houses built by certified RV manufacturers. For other tiny homes, finding insurance can be challenging. If you're going to build your own tiny house, contact potential companies before you start, as they may want to do inspections or see pictures of your tiny house as it's being built.
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