My Lake rules, buy a lot, set a camper on it and a pole shed. Build a 600 sq. A-Frame or whatever, you enlarge it as you wish to.
Just inform the Lake office to get OK, they know your plans.
Buy the lot next to it and you can build a large garage to put stuff into. Store your boat, golf carts, lawn tractor, UTV's etc.
Friends / Relatives / fishermen buddies can then stay at your Camper under the poll shed. You in your A-frame now modified to 2000 sq. ft.
Now you own 3 Lots and you add more parking. You just can't store Contractor (your business machinery on them.)
You can have a large trailer to haul UTV's, motorcycles, electric bicycles in. on one of the other lots from your home. Just not permanently.
Since most everything you do / go to at the lake is in golf carts / UTV's / Jeeps you can value your purchase decisions greatly.
We don't have real heavy snows, but an A-frame construction or semi-A-frame is a great mini home starter choice. Steep roofs shed
snows and Ice rapidly.
The local Cement Foundation workers and Handyman Carpenters are valued friends. Being handy yourselves is a plus. You never run out
of work, its more work than fun but you do what you feel like doing when you feel like it mostly. Your neighbors are 100 yards away.
Privacy is a good thing. Occasionally a boat motor or UTV scorch past.
Building circular stairs outside on the house facilitates the Loft and leaves space in the structure. Kids love it. That would be a summer usage.
We don't have Bears, but Coyotes, Foxes, Deer abound. Sometimes you see / hear them late at night. I saw a Lobo once about 10 years ago.
Maybe a Cougar one night crossing the highway 10 miles away. Others say they once saw a Panther. I did see bear scat one day in 2008 but
none at the Dumpster area. Carrying firearms is legal.
My son lives in S.C. and has a large storage tank for potable water in the loft of his garage. Weather locks them down some but with the
portable Power / Fuel they can house in place. Deep water would be their worry. They are 15' above high water mostly. Avoid low land is
a good plan.