In most cases, no. A 203k loan is built around one independent licensed general contractor who is responsible for the whole job.
Lenders want clear accountability. They need one company that is licensed, insured, and able to schedule the trades, pull permits, and complete the approved scope of work. When the homeowner tries to act as the general contractor, that accountability gets messy and most lenders will not approve it.
There are limited exceptions. If you already work in a specific trade and the lender gives written permission in advance, you may be allowed to perform that trade yourself. Even then, you are usually paid for materials only. Labor is not paid to the homeowner.
Do not assume this will be allowed. Special permission has to come from the lender before any work starts. If you begin work without approval, those costs may not be covered by the loan.
The safest path for most families is simple. Hire one experienced 203k general contractor. Let that contractor run the job, manage the subcontractors, and get paid through the draw process.
If you think you may qualify as a trade professional on your own project, ask your lender on day one. Get the answer in writing so there are no surprises later.
