You have a lot in Cagayan de Oro—maybe in Uptown, Lumbia, Iponan, Calaanan, or another subdivision—and your dream is clear: “Gusto ko na talagang magpatayo ng bahay… pero parang maliit pa budget ko.” Here’s the truth many lot owners don’t realize: 👉 You don’t always need a fully finished, 2-storey dream home  on day one. 👉 You can start with a smart, livable core house  now… and expand later  as your income and savings grow. This is the power of phase-by-phase building  usi