It sounds like the numbers for building may not add up.
In my opinion building requires good cash flow, lots of spare time, lots of energy, a cheap
place to build, a convenient place to launch and a convenient place to keep the boat (continued fitting out, sea trials and modifications) after launching.
If even one of these components is missing then the costs and the time needed can skyrocket to the point where the boat may never be finished.
It has been suggested that flipping burgers pays more than boat building and my experience generally bears this out. The high property prices in your area suggest that jobs may be available and may pay well.
Frying onions may not feel very nautical, but it may be the best way to go cruising.