Builders typically charge 2-3X the market rate for those items, which becomes a new profit center for them, since you'd be throwing that credit away if you didn't use them. 

He added a construction hold back and other items.

-Unless the garage already has electric and water connections, that's an important and expensive item in the SOW.

When you do all items, the numbers add up to a large monthly expense   So what did my spreadsheets show me?  

But if you want access to the benefits that people like me have contributed to, and collectively spent decades and god knows how many millions of dollars building, why would you think you should get access to those items for free? 

I'd ask the junk removal people what took them so long to empty the fridge and ask for an itemized invoice. 

Due to item 1, adding an ADU can require years to start achieving any return (once the accumulated cash flow recovers the initial negative position).4) Adding an ADU is a slow process.

We had to request correction of multiple other items that we did not feel were finished with sufficient attention to detail.

I'm from NYC so a diverse city is key.

I recently switched insurance carriers for two of my rental properties and about two months after coverage started, I received a letter for each property with a list of items to be remediated within 40 days or coverage would be revoked.