I agree about the debt on the part of a builder.
The builder we bought from has in the past few months lost 5 of the properties he has built to debtors. One totally to the bank and three to the people who installed the windows /doors etc in all the properties.
He has now lost his own personal house to the financas (non payment of IRS and Social Security)
He has one house left to sell. Friends are renting it at the moment as they have agreed to buy once their house is sold in UK or a mortgage can be arranged. This agreement is set in stone. But then the bank could repossess or the financas step in.
One other thing of course is that the 5 year warranty is now of no good whatsoever!!!