> The material costs are high too because of regulations that require specific lumber for framing etc.
Having done some extensive remodeling and building work in recent years and going to great lengths to follow building codes, this just isn't it. The type of lumber you can use for most framing jobs isn't that special. Having walked through a number of new construction properties and seeing what passes code, I don't think relaxing lumber standards would be a good idea, nor buy us anything.
When lumber, cabinetry, and other building products have tariffs in the range of 10-50%, you can't tell me that tariffs are not the primary problem driving costs up right now. There just isn't a secret stash of lesser grade lumber lying around that would also be perfectly good for building homes.
Single and few number family residential and owner stuff gets all sorts of exemptions in just about every town's zoning code because if not the townsfolk would revolt.
This is why everyone on the internet screeches "well I put up a deck and it wasn't so hard". Try and do a new build of literally any structure and get back to me. Or worse, a construction type that is not the regional default for whatever it is you're doing.
Reality for new construction is way, way, way worse than homeowners think.
Unless you know a guy, in which case it's all open doors and green lights because that's how local politics always is.