You could probably get away with it without much money once per county or maybe state, max out every loan imaginable, buy shit land (probably 50% financed at best on vacant land), declare you're owner-building your own house for non-commercial reasons. It's possible in my state. By the second or third time though your creditors and the planning board will be on to you and you'll be chased out of the county and you'll have to relearn all the bureaucracy again, which is the hardest part.