Hey everyone, I’m at the stage where I’m deciding whether to buy a house or just build one from scratch, and USDA construction loans keep coming up in my research. I live near a rural zone, so I might actually qualify, but I’m not fully sure how strict the requirements are or how the construction phase is managed. I’ve heard that everything has to go through inspections and staged payments, but I can’t picture how stressful that becomes in real life when you’re waiting for approvals while the house is being built. If anyone has done this, I’d really appreciate hearing how the process felt day to day and whether it was smoother or more complicated than expected.