I like the fact that answer number one is pretty OPEN in his statments. TO accurately define your prices/end costs, it seems to me (with all dur respect) you already have so much of what you need regarding resources, to get PRICES.
Without knowing at all,,,the "LAY OF THE LAND" I'd probably go with a "daylight" basement" AND honestly 2200 sq. ft. is hardly a CABIN. SIGH. I see and get in e mail Every day,,,BUILD TO SHELL...NC cabins for less that 100 K. I so want to assume you could double that to finish.
Another thing I might ask is WHY do you need a LOAN to finish? No offense to you certainly,,, OR the KIT provider, but you don't mention WHERE? IE: 35 miles East of Ashville? Etc,,, OR if you already OWN the land? IF you happened to own the land,,, the loan could be negotiated with it as collateral.
Once more, and with all due respect...FINISH might be relative, as it FITS some liveable plan you have, and could easily take 18 to 24 months?
Finally, and I hope I haven't offended you. ANYONE doing any work, and depending on zoning and code issues, better be ready to back up any liability "DADDY" or not.
No one here who answers can know your families commeitment, or a time frame for you
45 plus years as a contractor