I ended up going with a custom built timber frame (post and beam) house. For $45k I got the timber frame built and erected and all the foam panels (OSB on the outside and sheetrock on the inside). The company that made the foam panels cut wire chases into the panels as well as a wood nailer for baseboards for each floor.
I installed the panels. I bought an adapter for a circular saw, less than $200, that looks like a chainsaw for cutting the panels and a hot knife for removing the foam. Where the doors and windows go a hole is cut then you remove foam so a 2x6 can get set in between the OSB and Sheetrock for a nailer. The panels are held on with either those long landscaping nails or screws (nails are easy).