Citizens is normally the lowest and I have the far majority of my policies with them.

You have skin in the game in the form of your entire net worth.

Any price fluctuations are solely the result of speculative trading activity.Therefore, if you want to buy bitcoin, the amount you allocate to it should be the portion of your portfolio that you would normally allocate to speculative investments. 

Normally a DPA program  help buyers who may not have funds for a downpayment and closing cost.

My background is commercial real estate and that is a normal way of doing it there.

The brokers, more interested in doing a deal, would normally tell me to cross out what I didn’t like and write in whatever made me comfortable.

@Jerry Zhang - What do units normally trade for in the area?

If so, you might be able to make a unit which functionally does not make sense into a normal 2 or 3 bedroom unit.

The rate is typically higher than a normal P&I loan.

If you do the work yourself, you should only charge for materials.As Kevin points out, you have to determine what is "normal" and what is excessive and chargeable.