I can not disagree more. Build your workshop first. That would cost you 10.000$ from your pocket (the devolution of the loan it´so slow that don´t count at this respect). In 3-4 days of the workshop working you would be in a better financial shape to improve your houseI already accounted for the $25,000 loan. The reason I gave 30 days is that you actually have to set your house up in order.