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Mind you, my grandparents did this without having to finance it. When the banks get involved they have rules of their own. Getting a mortgage is more difficult these days and I doubt any bank would finance a basement only” house. The way they look at it, they need to be able to sell it if you default (not that you would, but that’s how they look at it) and they would never be able to sell a basement with no house. Of course, I could be totally wrong but talk to mortgage specialists to see if your idea is going to work from that angle.
We built a closet in the bathroom to hold towels and anything else needed to go in there. The doors for our closet were in the barn. I don’t even know where they came from. We just painted and installed them, we had enough doors for the bathroom and laundry room. We added tile to the floors and we put in a shower. We also put in a window which I love. I can’t stand closed in bathrooms.
Our dumpster was delivered on 12/16. We sent the kids to my mom’s house for the day and tried tearing up the floor ourselves to save a little money. We only made it through some of the tile and a very small portion of the plywood, linoleum, and old hardwood before we finally called our contractor and admitted defeat – we decided we’d gladly pay to have the workers remove the rest of it!
Particulars – bare basement with badly finished slab and bat insulation on the walls, (3) garden windows that had enough egress to pass inspection. Made a 15’x19′ great room, two 6’x12′ walk-in closets, a 5’x10′ workroom, 5′ x 8′ full bath with tub and external linen closet, 9’x13′ office, unfinished 8’x8′ utility room, 12’x15′ bedroom, 6’x12′ bistro”, 6’x6′ wine room, and gun safe room under the stairs. Also a built-in display cabinet, lots of under and over counter cabinets (unfinished from Lowes), bifold and regular doors.