I have learned that when asking for labor on here using the word "southside" gets less replies then saying, "I have a rehab in Woodlawn or South Shore."  

The other thing you have to consider is that labor rates do aren't flat across the entire U.S.

Had some help every now and then with under the table labor but we have not been paid for our hundreds of hours we have each put in. 

I think that is realistic, you just need to make sure your contractor has enough funds for that $100K worth of materials and sub-labor. 

The click style has a few drawbacks including needing to have and expansion seam under the baseboard, slight height differences between planks which cause additional wear, the click system is typically is a higher cost (again depending on the particular product but apples to apples tends to be true and you have to factor in the glue for the other but still total material and labor cost typically will be less especially when considered over the lifetime of the flooring) and additional labor costs and time to install just to name a few.

I currently have a 40 hour a week labor job so each day after work I'm going to be researching and completing a course I bought.

The banks appraisal was done a local who knows the area and did a walk thru but looks like he isnt willing to give credit for all the upgrades, ( I meet him at the home and went over all work done) He noted an updated kitchen when it was a total redo down to the studs with granite, solid wood cabs and brand new SS appliances  No $$$ allowance was given He didn't bother to include a pic of the kitchen which makes no sense same issue with new wood floors no $$ allowance and no mention that they were new.i know the utility would be the same but seem unfair not to give $$ allowance for new materials and labor I was surprised he used comps with no renovation ( but were within 6 months and close by) when he had access to 2 comps that had recently been remolded.

When rehabbing know your code requirements which will dictate whether you have to be forced to use high cost labor.

If we can't work together on a deal, I'd still be willing to offer my time (labor or managment) to learn from you.

At that point I'm competing with professional builders/developers but without volume discounts, in-house labor, etc.