Hi VoodooChile
I am planning on doing that too

But interested in making a dinghy as an educational experience as well.
I am looking for a the spot to come up where I can store my dinghy close to water and as soon as that spot opens up, first thing is to buy a beat up dinghy and use it
bulding a hull is the cheap part of it. out fitting it is the expensive one. you say your budget is around 2-3k, correct? well, that alone will be for the fit out, ONLY. and that is being very resourceful.
look into the I550.
18 feet long, stitch and glue method, perfomance dinghy.
there are several cockpit versions to suit your end goal. personally i find this boat to have a huge potential cruising ability, if built a bit heavier, and for adventurous spartan people who like to camp for a couple of nights. it is also very practical and launchable in a few minutes (depending if you can leave the mast on)
the most complicated bit is the lead keel, but thats an education in and of itself and it seems you are looking for it, its not a difficult project just intensive.
there are specific masts for this design, in carbon fibre, but you can also use similar stuff like a mast from a Melges 24 for instance, in the end, look that the scantlings, mast profile and size and work it from there to find something close by and cheaper. same goes for sails. i dont recal the standing rigging numbers, but out of the top of my head, 5 mm would be appropriate: now, will you pay to have it done in SS or will you learn how to splice dyneema? and save serious money there. the dyneema stuff is really easy, YT university will teach you that
you dont need okoume plywood for this, GOOD exterior grade ply is sufficient, given that you laminate over it on the outside and be really carefull on the inside making sure you get every little corner covered in a epoxy based layer, twice.
resell value: there are about 500 boats built or being built in over 40 countries, more to come in the future (i bought the plans about 6 years ago, but ive been involved in a lot of **** and couldnt build yet), depending on how you build it and maintain it you will see some of the cash back (its a boat so.....look at it as "damage control").
it will not cost 3k, probably 10k, again being very resourcefull about spars, sails and fittings.