most contractors will file the permits with their licence but let you do the work, super common if you are subbing out with cheaper unlicensed/undocumented labor. I love this builder on tiktok and his free content covers the basics and he sells in super detailed course with every fine detail to build a home to code and get it on the property tax rolls.
https://www.tiktok.com/@caselucasrobins ... 6178764078.
Key thing is that you can do 70% of the home build with some simple hand tools but 30% will require 50k heavy machinery. You can either sub it out or if you got the balls you could learn on a rental
just buy the rental insurance lol
You will most likely need heavy machine operators to clear and level the land (stump removal is a bitch without heavy tools) and a heavy machine subcontractor to connect to grid and sewer. Even if you go well and septic you need some heavy machinery for that too. Wells can be super tool intensive depending on water table depth.
You could DIY the foundation with a pier foundation but most people want slab and that's a hell of a lot of concrete to hand mix so you will prob have to sub out the foundation who will need a concrete truck
The framing could be done with a helper but I heavily suggest you get a pro to help you since a poor frame job means total tear down
Now it's a mad rush to protect the house with siding and a roof. If you get unlucky and it rains right after framing goes up but before roof and siding, you can have some mildew if it rains a lot after framing goes up. the slower you are to wrap up framing and roof the higher the chance so there is some logic to subbing out the roof while you do siding or the other way around. the other option is just do cinder block and then you can take your sweet sweet time
Once you got the framing, siding, roof and foundation down, you got to rough in the plumbing and electrical. If you go with slab foundation, plumbing goes in before the foundation but this is also a tough one to diy your first time. Bring in a sub to help you out the first time and be his/her helper.
At this point it's all super DIY friendly. You have a shell and all that is left is insulation, kitchen, bathroom, flooring and drywall. These are the classic DIY parts of homemaking that all have 10 million youtube DIY videos
If you want to do this via bank loan just becomes friend with a GC and he will let you rent his licence for a small cut, but if you are paying cash then just become friends with your local permit office and see the steps for home owner permitting. Pretty much all areas even the liberal ones have special rules for DIY home builders to self file permits.
I've never done it from scratch but totally a goal of mine too. I'm just a unlicensed home remodeler who spent a lot of time learning the steps to get ready!
Cheers
PS if you are really set on doing a 100% solo build look up earthbags it's a slightly modern twist on the ancient methods of home building which is literally just dirt in bag to make walls. Good luck getting that to code but it's damn cheap and won't require any permits since the architectural diagrams will cost more than the building lol and it just one step above a yurt in terms of insulation and comfort. also consider just doing a manufactured home or prefab home if you want to say you did it yourself without the backbreaking labor
there is a ton of money you can save if you do the prep work diy