I have (that includes my wife) 3 Bents; 2 are SUN EZ 3 USX's which are trikes that sell for about $1000 each, my third bent is a recycled LWB. The build process was easy for me as also am retired. I contacted the local Vo-Tec (welding school) and inquired about them doing the work for me. They said they would love to. Bottom line is you could build a LWB 2 wheel recumbent for less than $500.
Here is a link to my build.
New WildKat Recumbent Bike Build
Hope this helps. If you would like more info on my build e-mail me from my web page.
I have made a couple of changes since the pictures were taken.