I'm glad we're not there. We ended up in a similar situation due to not terribly different circumstances, and me and my family are doing our 4th winter in the tent. I know for many of you it's spring weather, and we feel blessed to have as nice of a setup as we do, the biggest blessing has been getting our permit to build finally.
I started working on this property largely "alone", though my wife was around to make the phone call if necessary. I no longer work alone if I can help it, as the gain in produtivity is usually worth tacking a couple bucks on the bill and paying a friend to work the ropes. I have had plenty of homeowners do their own groundwork, and even help me rig down wood and run a speedline.