Devin you are definitely eons ahead of other young men your age when it comes to be well rounded, so that is most impressive.
Having been a general contractor for many years I can tell you that I think could build a bigger stick framed garage with studio apartment for $20k.
If you have your mind set on a "Tiny Home" you might consider building on a flat bed trailer. In most cases no building permit would be required but I am confident that your common sense would guide you in building it structurally sound. It could easily be moved around your property or to a different site if need be.
As I'm sure you know you have a lot of options when it comes to being creative with the toilet/plumbing and electrical.
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