Ft. attic conversion to 2nd story with addition of new shed dormers to accommodate the footprint. 

It covers how a perc test works pretty comprehensively.

Sure there are things like the analysis tools like we find here on BP, but nothing comprehensible or customizable..

Are they accommodating?

A four-bedroom house should comfortably accommodate two adults and three kids sitting down for dinner.

As Jay notes, these can be 100% funding to established buyers, closing within a few days of the first phone call, non-punitive underwriting rules, zero junk fees (which borrowers absolutely hate), and the various accommodations that a personal relationship can offer if a deal takes longer to complete or has any issues.Don't minimize the relationship.

Practical and comprehensive.

Landlord insurance is commonly written on a Dwelling fire form (dp1-dp3) DP3 is the most comprehensive of the three.

We've had carpet seem fine, but the longer it sits the more it smells, and when we pull it up the carpet and pad are full of urine.You don't need to be accommodating.  

So I do see the possible need for expanding the budget to accommodate much of what is being discussed here; alternative, I see ways for us to retain the budget to using the cost savings also discussed.