Make sure your plans are engineered from someone reputable (don't trust the builder's guy unless you can verify their trustworthiness). 

Yesterday I was talking to and architect and engineer who is owed money.  

Our engineering team finishes in roughly 2-3 weeks with no major modifications required to our initial architectural plan.

I would bring in a drafter or architect to assess it and see if you only need the building plans and pay permits: Building plans about $3k to $4k since everything is done... and city permits about $4k to $7k and make sure that you don't have to do anything major... front foundation could easily be $5k or more plus engineering work and stamp. : so, assess all systems and see for obvious things like : garage door, ceiling height, perimeter foundation and drainage, framing if you can, attic space, electrical, plumbing etc 4.

I work remotely as a software engineer, I currently make $105k / year.

Now there was no mention of the engineered plans requirement for the 12+ requirement to my recollection, so I do call foul there. 

If it is block construction the engineers will make you beef up the slab and add piles to support the new weight of the second floor.

This looked intriguing, but I'm worried that YNAB is less user friendly for my situation.Queue the back story: I work as a realtor with a small RE investment portfolio, and my wife is a more stable W2 Engineer. 

We have an STR in Swannanoa that wasn't damaged and have had several week+ long bookings since the storm (including Army Corps of Engineers, etc). 

And yes we get a deal when we contract for 90 house plans we pay 2100.00 per plan and that include engineering.