The big problem is not the cost of the design. Remember, everyone always sells their house eventually and when that time comes it is extremely important that the house that you have built is something that someone else wants. For that you really do have to use a plan that exists and something that you will be sure that someone else will want to buy.
My suggestion is to go to Home depot and buy a book of a bunch of commercially available house designs. This way you can know for sure that the house you build will be 'sellable'.
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