Is it really cheaper to buy a finished house in CDO, or can building save you more in the long run?   That is one of the biggest questions lot owners and first-time buyers ask. The problem is that many people compare only the headline price. They forget that buying includes the seller’s margin, commissions, closing costs, and possible renovation work, while building includes permits, design, siteworks, and financing steps. Local CDO guidance says the right answer depends heav