What about insulation, trim, appliances, the wood floor, etc?

I think the best you can do is add a few accent walls in the bedrooms and make it less neutral. we paint everything white in our new builds and very neutral as well as do higher end simple painted accent walls and trim walls to help make the house a little different. if you really want to sell I'd get a interior designer / stager and spend 5k with a way more experience agent who sells new builds. we are licensed if you can't find someone. the way I market is very different. 

As far as the house, I would get someone to complete the outside and I would finish the inside and do all of the electrical, plumbing, trim, etc. and contract out the drywall myself.

I was initially told there was an HOA but eventually found out it's not active and there's a lady who lives somewhere on the street that pays a lawn company to cut and trim everyone's yard. 

So what i bring to the table in my Journey:Flexible job that makes me available throughout the daysTruck and Gas pre paid forSome Cabinetry and Trim experience  10+ years dealing with subcontractors as Project MangerSome investment capital on hand 20-30KI guess my overall feeling would be to network with like-minded people that possible could bring other contributions to the table (knowledge, capital, etc.)  

Fyi, the discussion went like this, she said I want a wrap around porch, grey siding with white trim, bigger windows, french doors, stainless appliances, black barn doors and shutters, etc., after which I put my foot down hard and said “dark grey or light grey siding?”

If there is a gap more than 1/4 inch between the Sheetrock and wall use spray foam to fill the gap and when it dries trim it away flush with a razor.

The white body and black trim was/is popular in SoCal...

I would really appreciate some input on creative ways to trim budget on insurance.

Depends on how extensive the remodel work is, a cosmetic flip paint, trim, cabinets, vanities don't trigger permits here in WA state.