Category: construction

construction

Never Fret About Plumbing Problems Again With These TipsNever Fret About Plumbing Problems Again With These Tips

If you’re a homeowner not familiar with plumbing, you’re probably familiar with the experience of being charged an arm and a leg for what appears like a simple pipes repair work. If you ‘d like to prevent this experience once again, continue reading for some guidance and pointers on how to fix your own pipes. Talk to us Boiler Servicing Swindon

View how your toilets are flushing. If you need to jiggle the manage or if it takes too long, you may have to repair some toilet parts. Changing these parts early may assist you to minimize your water bills and will conserve you from more costly repairs at a later date.

Do not pour grease or oil down any of your home drains. Put them in containers and place in the fridge up until they are strong, then toss them away. If you pour them down the drain, they can solidify in cold pipelines. These solid masses will block your pipelines and are extremely tough to remove. We can help at AA Plumbing Swindon

Prior to starting a plumbing job be sure to understand your pipelines. Each pipeline has a different use and every municipality has various codes for what pipelines can be used for. Slipping up in this area can be very costly, if you are required to eliminate all the pipes from the work you have actually simply finished.

Have your pipes in your pipes system frozen? You can avoid the expense of working with a plumbing professional by utilizing this method. Open the faucet so steam produced by the thawing process can leave. Start defrosting near the faucet, and move down the line as each area defrosts out. Use a hair dryer or a heat light to warm along the pipe. Although this approach consumes quite a bit of time, it is more secure than the majority of other heating techniques. Furthermore, it requires no cleanup.

If you are paying somebody else to do the plumbing in your house be sure that they are licensed in your state to do that work. Some people who have little or no Understanding of pipes will attempt to pass themselves off as a pro. So you can see the value of examining to see if your plumbing professional is accredited. You ought to likewise see if you can find positive testimonials about the plumbings work.

Have a specific plumbing in mind before you have an emergency. Most people do not think about plumbing professionals up until they find themselves having a big problem that needs to be fixed immediately. Instead, pick a plumbing professional who you are comfortable with and whose experience you trust– method prior to you in fact need his services.

If you own home where the temperature level gets below freezing for a prolonged amount of time each year, you should make sure that pipes located in unheated areas, such as crawl spaces and garages, are insulated. Pipelines that are exposed to the outdoors elements or those that are prone to freezing, need to be safeguarded by heat tape or thermostat-controlled heat cables to prevent them from freezing.

Pipes isn’t as hard as it can seem, when you have access to good information and advice about how to tackle solving your own plumbing problems. Next time you have plumbing issues in your home, try applying the tips from this short article and see if you can save some money by solving it yourself! Find out more at Boiler Repair Swindon

The Many Uses for Hyrdo-Excavation MachinesThe Many Uses for Hyrdo-Excavation Machines

Hydro-excavation is used to remove water from underground locations. This is an non-invasive procedure that uses water to clean out the area without doing any damage. Hydro-excavation tools that can be found at their webpage can be employed in a variety of situations. They can be utilized in during natural disasters, construction projects and other emergency situations. Hydro-excavation can be a cost-effective and non-invasive technique which can be utilized in a variety of ways.

This section will discuss hydro-excavation and its advantages in emergency situations.

How to utilize hydro excavation during natural catastrophes

In the event of natural disasters, flooding can result in serious property damage and hinder homeowners to get into their residences. Hydro excavation is a method that uses water pressure to break up mud sand and other materials which makes it a perfect solution in these circumstances.

What is the process of hydro excavation?

First, the machine digs a hole in the ground.

Next the water is pumped through the pipe (which can be vertical or horizontal vertical depending on the situation) under pressure. The water is then directed from this pipe along the length of the hose, which permits it to flow towards the equipment for drilling. As the drilling equipment is brought down into the water, it’s possible to hear the sound of water flowing from the pipe that is above.

What is the best way to use hydro-excavation for construction?

Hydro-excavation is a process that utilizes high-pressure water to plow through the ground to remove dirt and rocks. It is commonly used in construction projects to remove the need for heavy equipment, such as excavators, cranes and trucks. Hydro-excavation equipment is available on vac-con.com as well as information and suggestions on how to use these machines efficiently.

The positive aspects of man-made turfThe positive aspects of man-made turf

The appeal of synthetic lawn has grown hugely in recent times. One of the reasons for this is that house owners are looking for sustainable alternatives to meet their lawn and garden requirements. I think it’s fair to say we are all looking for more time and are interested in anything that can assist us achieve that! Artificial turf is also known as synthetic turf or fake grass and also has some environmental benefits. It can also assist you save money and is quite easy to maintain. If you want to create a lush,green space that’s as stunning as it is sustainable,artificial grass could be perfect for your needs. Let’s take a look at some of the greatest benefits of artificial turf right now. Visit driveways doncaster for more information.

Ecological sustainability

One of the primary benefits of man-made grass is its positive impact on the environment. Unlike natural grass,synthetic turf does not need watering. This significantly decreases water usage,making it an eco-friendly choice in places or circumstances where water is scarce. Man-made grass also eliminates the need for harmful pesticides and fertilisers. It can protect the ecosystem by reducing Find out more here Visit Website chemical runoff into soil.

Conserves water sources

 

Fake turf enables us to conserve our water resources whilst still appreciating the visual appeal of a well-maintained lawn. Conventional lawns normally need a substantial amount of water if they are to remain green and healthy,particularly during the warmer months of the year. Synthetic lawn will allow you to cut your water usage drastically and make a better contribution to the natural environment.

Calls for little upkeep

It’s well known that a great deal of time,effort and resources are required to maintain a natural lawn. Weeding,watering and cutting are all activities which can be both expensive and time-consuming. You don’t need to carry out these tasks with synthetic lawn. Your fake grass will remain green and vibrant throughout the year. The only tasks you can expect to carry out to maintain your lawn may include rinsing to remove debris and the occasional brushing.

Strong and long-lasting

Fake lawn has been created to hold up against a great deal of foot traffic. This means it’s ideal for high-use areas including sports fields,playgrounds and parks. The turf normally looks terrific even after it has been installed for a significant period. Another great reason for using synthetic turf is that it’s resistant to fading from exposure to sun light.

Offers relief from allergic reactions

If you have a turf allergy,man-made grass can provide a great deal of relief. You won’t need to worry about the pollen or other allergens commonly found in natural turf. Man-made lawn is also free from dangerous and harmful chemicals,which means it’s safe for children and pets to play on.
Massive cost financial savingsAlthough the initial cost of putting in artificial grass may seem high,considerable cost savings can be made once you’ve installed it. You won’t need to think about the costs attached to using fertilisers,pesticides,watering or clipping the grass,and you won’t have expensive lawnmowers to replace or fix.

It’s no wonder so many people are thinking about putting in synthetic turf. This synthetic grass enables you to save money,do your bit for the environment and provide a safe space for your kids and family pets to play on. As sustainability becomes more and more important,it seems the demand for man-made grass will continue to develop.

To view our Services visit Click here

Home Equity Benefits Of Buying A New Custom HomeHome Equity Benefits Of Buying A New Custom Home

Home values are going up faster and faster, according to experts. If you are in the market to buy a home, you can achieve instant equity benefits when builders offer price guarantees. In the less than 5 months it takes to build a new Custom home on your lot through HiLine Homes, your home will likely be worth more than you paid. A home bubble only occurs when the demand for homes increases faster than the supply of homes on the market. U.S. home values have gone up 9.9% over the past year, and are expected to rise 11.4% in the next year, according to Zillow. Some of the home equity benefits include not owing PMI or private mortgage insurance for as many years and being able to more easily refinance if rates dip.

Getting Ahead Fast

In terms of home appreciation, it’s an unprecedented situation. According to a study by zillow.com, homebuyers break even in less than two years when they buy versus rent. In the Seattle area, it took less than two years to break even after accounting for closing costs. When you work with a new construction builder that offers incentives, it’s even more financially advantageous to buy versus renting. In the past, real estate experts talked about the “5-year rule,” which suggested it takes at least five years to get ahead as a homeowner. But that’s no longer the timeline. This may be especially true if you are replacing your manufactured or mobile home on your lot.

What Is Private Mortgage Insurance (PMI)?

Private mortgage insurance is the extra fee your lender charges when you put down less than 20 percent on a home purchase. In many cases, the PMI charge drops off of your mortgage after you have at least 20 percent equity. If you put down 5 percent and pay on your mortgage while the home values rise, the PMI will likely come off sooner than you originally anticipated.

Avoiding PMI Costs

Depending on your personal financial situation, you might wish to refinance or take out a home equity line of credit when your children go to college. With the equity benefits of a new construction home, Access to a HELOC or a cash-out refinance could happen sooner. Even if you never tap your home for a home equity loan, just having equity increases your net worth and gives you greater financial peace of mind. If something unexpected happens and you need to sell, you’ll feel great knowing you will likely walk away from closing with money. Realtors say it’s easier to sell a newer home with energy-efficient features than it is to sell an older one.

If you’d like to take advantage of all these benefits and more, and are curious to learn more about the process, costs, and customizability of building a custom home, click the link below! 

HiLine Homes

Heaters– The Numerous Kinds And UsageHeaters– The Numerous Kinds And Usage

A heating system is an essential commodity for people living in cold regions. There are a variety of ways to preserve a comfy warm atmosphere in the home.

The traditional furnace sucks in all the air in the Space, warms it up, and rearranges it throughout the room. To preserve the heat in the room and prevent the fire from extinguishing out, different fuels are utilized. Some of the typical ones are gas, oil, coal, wood and electrical power. These standard heating systems raise the room temperature level, hence making it a comfy place to remain in winters, and likewise get rid of dust particles.

The IR baseboard heating system warms individuals and things without heating up the surrounding air. It is ideal for space where it is tough to have the standard heaters. More costly than the traditional heaters, they develop an ideal place to stay in winter seasons. The electrical heat pumps distribute the heated air from one location to another. The hydronic heating is an example of IR ceiling heating unit or an IR floor heating system. In this kind of heater, warm water streams through televisions under the floor making it warm. These heating systems are normally set up in entrances to prevent accumulation of ice and snow. This business supplies them along with other heating systems:

 

Cost-effective to operate, the outdoor patio heating units permit you to enjoy some comfy time outdoors throughout winter. Electrical Energy or gas is utilized to fuel these heating units that have the capacity to warm large areas. Central heating is a reliable way of centrally warming houses and structures. The main heating system works with the aid of a heat, boiler or heating system pump to heat water, air or steam. The heaters then either utilize a piping to disperse the heated fluid or a radiator to move the heat in the surrounding air.

In the water heating system, the water is flown through a heat exchanger in a hot water tank or cylinder. The water is warmed there with the help of the heaters and is then dispersed to various outlets in your home. Another technique of heating is the sealed system. The heating unit is among the vital components of a steam bath consisting of a stainless-steel material, thus offering the heating system more life.

The radiant baseboard heating unit heats people and things without heating the surrounding air. The hydronic heating is an example of radiant ceiling heating unit or a radiant floor heater. The central heater works with the aid of a furnace, heat or boiler pump to heat water, air or steam. The heater is one of the essential parts of a sauna bath comprising of a stainless steel material, therefore giving the heating unit more life.

Cooking Space Renovation Guidelines in the Heart of San JoseCooking Space Renovation Guidelines in the Heart of San Jose

San Jose, California! Home to the world-famous Winchester Mystery house, a busy tech scene, and some of the most gorgeous domestic architecture in the state. If you’re fortunate sufficient to call this terrific city home, you may have considered sprucing up the most frequented area in your home: the cooking area.

Why Cooking Area Improvement in San Jose Is a Special Affair Every region has its peculiarities and so does San Jose. Here’s what makes remodeling in this city stand out:

1. A Blend of the Old and New
Numerous San Jose homes use a mix of traditional Californian designs and contemporary designs. This mix offers sufficient creative flexibility when redesigning. Think of a kitchen with Spanish revival architecture decorated with clever, modern home appliances as seen on DreamHome Remodeling & Builders

2. Distance to Silicon Valley
We’re in the heart of tech, and our homes must show that. Think smart kitchens, interactive countertops, and Energy-efficient gadgets. Your kitchen area can be as wise as the rest of San Jose!

Renovation Tips for the San Jose Homeowner

Regional Materials Are a Treasure
Offered our place, consider utilizing locally-sourced materials. Not just does it support local services, however it likewise guarantees your kitchen area vibes with the regional visual.

Make Use Of That Californian Sun
Incorporate big windows and even a skylight! San Jose gets an average of 257 bright days a year. Let’s maximize it.

Keep it Open
An open cooking area style isn’t just a trend; it’s a lifestyle. Especially if you take pleasure in hosting, an open design will keep you connected with your guests.

San Jose-specific Factors To Consider

Stay Updated on Permits
Remodeling in a city as huge and dynamic as San Jose indicates you need to be on top of your permit game. Constantly contact the city’s Structure Department before starting any major job.

Incorporate Elements from Famous Landmarks
Subtle touches inspired by regional attractions, like tile patterns reminiscent of the Rosicrucian Egyptian Museum or color design influenced by the San Jose Municipal Rose Garden|Municipal Rose Garden}|Municipal Rose Garden}|Municipal Rose Garden}, can include a regional flavor to your area.

Consider the Local Environment
San Jose has a Mediterranean environment, which means our summertimes can get warm. Make sure that your kitchen area is well-ventilated and perhaps even consider setting up a ceiling fan says DreamHome Remodeling & Builders.

Postal Code Specific Designs? Why Not!

If you’re aiming to add an uber-local touch, consider developing elements based on your zip code. For instance, if you’re from 95126 (Rose Garden area), increased motifs might be a delightful addition. Those from 95110 can draw motivation from the San Jose Flea Market’s dynamic colors and bustling energy.

DreamHome Remodeling & Builders
Phone: (408) 539-2534
Navigate

What are the most well-known driveway designs?What are the most well-known driveway designs?

There are plenty of options available to you when it comes to private drives. A private drive can add substantial value to your home and make it a better place to live. Some options will set you back more than others, but there is lots of choice available whether you’re on a budget or have more to invest. Talk to us for more Doncaster Landscaping

Tarmacadam private drives

Tarmac or asphalt private drives are also very affordable and are recognized for their tough weather level of resistance. Driveways made from tarmac are also extremely resilient, which makes them a great match for bigger cars. They also have a sleek finish, which means excellent skid resistance. Tarmac driveways can easily survive hail, ice and storms. Tarmac is also a perfect match for the eco-conscious due to the way that the material can be used indefinitely. For a great solution visit Doncaster Landscaping

Block paving private drives

Block paving is based around interlocking, which gives you extra durability. It can be designed in a range of patterns and you can simply switch out individual blocks if they are damaged. Another key benefit of block paving driveways is that they have great fade protection. A block paving driveway can last for up to twenty years. These driveways do not require top polishing, and there is typically no need to repaint them even years down the line. All you normally need to do to maintain a block paving private drive is to clean it with soap and water. Block paving driveways are also popular due to the way that they can withstand extreme weather with ease.

Resin-bound plus resin-bonded private drives

Resin-bound and resin-bonded private drives have become progressively well-known over recent years. Resin-bound driveways are water-permeable. Whilst resin-bonded systems have resin spread across the surface with loose stone scattered on top of them, resin and stone are mixed together and trowelled into place to produce resin-bound systems. These systems give you a great deal of choice when it comes to flexibility and colour.

Indian stone driveways

Indian natural stone driveways offer the look of natural sandstone, and there are plenty of styles and shades to choose from. One of the key benefits of Indian Sandstone is that it doesn’t usually split, crack or peel. This stone also has non-slip qualities.

Natural stone driveways

Stone private drives are quick and easy to put in and may be the perfect option if you’re on a budget. A huge advantage of having a stone private drive put in is that you’ll be alerted when someone pulls up on your drive or walks across it. This means it can be a wonderful discouraging factor for intruders. These driveways also require minimal upkeep.

Cobble Stone and brick driveways

Although they’re not as popular as they once were, Cobble Stone and brick driveways offer a highly distinct, attractive appearance. These driveways offer good resistance to freezing and are straightforward to take care of. They are also noted for their durability and can be personalized to your particular requirements and preferences.

Pattern-imprinted concrete private drives.

Pattern-imprinted concrete private drives are also known as stamped concrete and decorative concrete driveways. These private drives offer a highly resilient surface and can easily withstand heavy weights. Another reason why these private drives are so popular is that they require minimal servicing. There are many designs, styles, colours and patterns to choose from.
No matter what your tastes and inclinations are, it shouldn’t be too difficult to find a private drive style that fulfills your demands.

If you have any queries visit Doncaster Landscaping for a free quote.

Logbook Loans in Nottingham: A Comprehensive Guide for Savvy BorrowingLogbook Loans in Nottingham: A Comprehensive Guide for Savvy Borrowing

For those in Nottingham navigating financial waters, logbook loans emerge as a practical pathway to promptly tap into funds, using their vehicles as leverage. This article delves deep into the essence of logbook Loans, unravelling their workings, and highlighting the pivotal considerations Nottingham denizens should take onboard when contemplating this financial route.

Anatomy of Logbook Loans:

At its core, a logbook loan is a secured borrowing mechanism where your vehicle’s logbook (V5 document) becomes the underpinning collateral. Such loans resonate especially with those having blemished credit narratives, as the primary assurance hinges on the vehicle’s value, sidestepping a stringent focus on credit standing.

Mapping the Application Terrain:

Initiating Application: Commence by scouting for established lenders in Nottingham’s landscape. Post identifying a suitable lender, proceed with the application and amass vital documents – encompassing proof of ownership, insurance credentials, MOT certificate, residential proof, and the cardinal V5 logbook.

Vehicle’s Worth Assessment: Lenders undertake a rigorous assessment of your vehicle’s state and valuation, thereby determining the potential loan quantum.

Greenlighting the Loan: Subsequent to this assessment, and factoring in your repayment mettle, the lender sanctions an apt loan sum.

Contractual Deep Dive: Rigorously peruse the loan contract, spotlighting aspects like interest rates, repayment modalities, and extraneous charges. It’s paramount to grasp the entirety of the contract’s fabric before venturing ahead.

Disbursal of Funds: Post-accord on the contract’s terms, the earmarked loan Amount navigates to you, be it in tangible cash or a digital bank transfer.

Steadfast Repayment: Staunch adherence to the contractually outlined repayment schedule is essential. Delinquencies can usher in extra charges, or gravely, lead to vehicle confiscation.

Reacquiring the Logbook: On settling the loan in its entirety, the lender reinstates your logbook. Consistent adherence to the contract safeguards uninterrupted vehicle ownership.

Prudent Reflections for Nottingham’s Inhabitants:

Opting for Credible Lenders: Prioritise a meticulous vetting process, gravitating towards lenders that personify transparency and bear commendable repute.

Financial Prognosis: Gauge your fiscal health, ensuring that loan repayments intertwine harmoniously with your overarching financial commitments.

Broadening Financial Horizons: Before wholeheartedly embracing a logbook loan, traverse other fiscal avenues, be they personal loans or credit union propositions.

Judicious Borrowing: Limit borrowing to genuine fiscal necessities, ensuring that repayment obligations don’t besiege your budget.

In summation, while logbook loans offer a potential lifeline to Nottingham’s populace during fiscal crunches, it’s quintessential to juxtapose their merits against inherent interest premiums and potential repossession risks. Astute borrowing, coupled with an exhaustive exploration of fiscal alternatives, paves the way for enlightened financial judgements.

For an amplified exposition on this subject, please see www.logbookmoney.com

| | 0 Comments| 12:00 am

Indiana News OverviewIndiana News Overview

Indiana News Update: Indiana is in the throes of a transformative moment. The Indiana Legislature passed a budget to increase school funding and Medicaid. This comes as the Governor Holcomb vs. Woody Myers gubernatorial campaign intensifies. The state is also actively courting tech companies with generous grants and incentives to increase economic activity. This effort appears to be paying off as construction industry growth continues apace while unemployment continues its steady decline. To top it all off, tourism in Indiana is on an upward trajectory–more visitors are coming than ever before to take part in outdoor activities, attend events like the Indy 500, or explore historical sites such as the Indiana State Museum. This period is crucial for Indiana’s development!

Latest Politics News

Indiana’s 2020 Primary Election is well underway, and it has become a pivotal moment for the presidential candidates. Governor Eric Holcomb is fighting to keep his seat in the general elections Against Democrat Woody Myers, touting economic and educational reforms. U.S. Senator Todd Young will also face off against Democratic candidate Mel Hall who hopes to create waves by overturning the Republican majority which has held sway in Indiana politics for decades through grassroots efforts. Both sides are eagerly competing for votes of Hoosiers in the state as elections draw near.

Local and State News

Indiana’s legislators are making strides to assist communities in overcoming the economic challenges caused by the pandemic. Relief programs were launched in collaboration with the Governor’s Office to encourage job growth and entrepreneurship. After recognizing social disparities within the state, initiatives are being created that prioritize education accessibility through free college tuition and public transportation for underserved areas, as well as expanding financial literacy Services. Additionally, legislators plan to raise minimum wage levels in an attempt to better serve citizens’ needs while providing them with a platform from which they can build brighter futures.

Business and Economic Updates

The economic pulse of Indiana is ever-evolving, with industries continuously adapting and expanding. Recent announcements have made a number of large investments in the state’s business to improve its financial outlook. The result has been more jobs and an increase in capital investment. The Indiana State Government also announced tax credits to encourage companies to establish themselves in the region, and spark economic growth. These incentives offer Powerful financial motivation for businesses to thrive and bring new jobs to the area!

| | 0 Comments| 12:00 am

The Future of Home Construction: 3D Printing a New RealityThe Future of Home Construction: 3D Printing a New Reality

Introduction

The construction industry is no stranger to technological advancements, but perhaps one of the most groundbreaking innovations in recent years is the use of 3D printing for building homes. Imagine a future where you can print out your dream home layer by layer, just like you would with a document on your computer. This innovative technology is changing the way we think about construction and holds the promise of making housing more affordable, sustainable, and customizable than ever before.

The Rise of 3D Printing in Construction

The concept of 3D printing a home might sound like science fiction, but it is quickly becoming a reality. This revolutionary construction method involves using large-scale 3D printers to create entire building structures layer by layer. It is a departure from traditional construction techniques that often involve the laborious process of assembling bricks, pouring concrete, and erecting walls.

One of the key advantages of 3D printing in construction is its efficiency. These printers can work around the clock, and they are not constrained by Weather conditions or the need for human rest. As a result, the construction process can be completed in a fraction of the time required for conventional methods.

Affordability and Accessibility

One of the most significant promises of 3D printing in home construction is its potential to address the global housing crisis. Traditional construction methods are often costly and time-consuming, making it difficult to provide affordable housing for growing populations. 3D printing offers a more cost-effective alternative, as it requires fewer materials and labor hours.

Additionally, 3D printing allows for greater precision and accuracy in construction, reducing the likelihood of errors and the need for expensive modifications. This not only lowers costs but also makes housing more accessible to a wider range of people.

Sustainability and Reduced Waste

The environmental impact of traditional construction methods is a growing concern. These processes often result in excessive waste, the depletion of natural resources, and high levels of carbon emissions. In contrast, 3D printing in construction has the potential to be more sustainable.

3D printing allows for the use of eco-friendly materials and the reduction of construction waste. For instance, some Companies are experimenting with using recycled materials in the printing process. Additionally, because 3D printing is highly precise, it can minimize the overuse of resources, such as concrete, which is a major contributor to carbon emissions.

Customization and Architectural Freedom

3D printing technology also offers a level of architectural freedom and customization that is hard to achieve with traditional construction. With 3D printing, it is possible to create unique and complex designs that would be challenging or costly to build using conventional methods. Homeowners can work with architects and designers to create personalized, one-of-a-kind structures.

Moreover, 3D printing allows for intricate detailing and ornate designs that were previously reserved for high-end luxury homes. This democratization of architectural creativity enables a wider range of people to realize their dream homes.

Challenges and Considerations

While 3D printing in home construction offers tremendous potential, it is not without its challenges. Some of the key considerations include:

1. Regulatory and safety concerns: As with any emerging technology, there are regulatory and safety issues that need to be addressed. Building codes and standards must adapt to accommodate this new construction method.

2. Material limitations: The development of suitable construction materials for 3D printing is an ongoing challenge. Researchers are exploring various options, including concrete blends and composite materials.

3. Scalability: While 3D printing has been successful for small to medium-sized structures, scaling up to larger buildings remains a work in progress.

Conclusion

The prospect of 3D printing homes is an exciting development in the world of construction. It has the potential to revolutionize the industry by making housing more affordable, sustainable, and customizable. While there are challenges to overcome, the continued advancements in this technology suggest that 3D printing may soon become a common method for building new homes. As we look to the future, we can anticipate a world where the dream of 3D printing a new home becomes a reality for many. Obtaining a construction loan to build a new home may be an issue from some lenders due to not Understanding the concept of one time close construction loan. Also it may be an issue with owner builder construction loans.