posted 3 weeks ago
Similar to Anne Miller, more details needed. Here's two thoughts I had just in response to the OP:
1. If code inspections aren't really a thing where you live, that's great because you have more freedom to build in a way that suits your needs, less pressure, etc., but remember that code exists for a reason. There are hundreds of years of safety and building wisdom baked into code. Sure, you can find examples of egregious unnecessary oversteps in code, but most of it is time-tested and hard-earned knowledge. If it were me I would still try to meet or exceed code wherever possible. Besides, one day your locale may become more strict about code compliance and then if you need to do a permitted renovation or something, your existing house might not be grandfathered in, and bringing old stuff up to code is always more of a pain (and more expensive) than doing it right the first time.
2. Building below grade is always harder than building above-ground. Underground you are in darkness, if you want access anywhere you must excavate there, and water will be pressing against your walls with enough force to topple reinforced concrete. Exterior foundation walls are a perennial failure point because you have to excavate further out from them, build the walls, then backfill, and the backfill will never be as compacted as virgin soil, so it will have a tendency to sink over time and create a kind of ditch around the edge of the house, where water will collect and seep down and push against the walls and cause related problems. Personally I would not build below grade unless 1) I had access to a bunch of free or steeply discounted excavating equipment and experienced excavating labor, and/or 2) I had absolutely no choice and needed to build below grade.