On the opening screen I chose load game since I had games saved. I picked one. When I went into the next mode where you can choose your Sim to play instead I clicked on a different, empty, house and chose it. Then I could choose build, create a Sim to play in that house, or 3rd option I can't remember. I chose build. It took me to the house which I could then remodel, bulldoze or leave alone. I would not need any funds to build or remodel since I'm not playing my Sim. Phew.
Now to play around with the different filters. I do like that idea since you can choose a style of house to build and I'm not familiar with all different kinds of styles, ie. Queen Anne, Country Farm, Traditional, Contemporary were some of the styles I could choose from. Now if I could just get my tilt absolutely right I think I'll be able to build again.