I don't have time to go to the law library or access to the legal data bases that have more detail than my searches have resulted.

It descibes the rules for reserving usage, exit strategies, and other very minute details.

You don’t have to keep a detailed spreadsheet or a notebook that you must constantly update.

Or in the early stages ask for more detailed financials for the last rolling 12 months, and come back with that data early in the process to weed out those who won't budge?

Arm Loan - 5.250 (after five years the rates can go up 1.25%  ( I will need to refinance before year 5)  Need more info on loan amount, LTV, then can run the payment difference between the two and I’d also need more detailed info on the 5 year arm, as far as margin, index, floor , ceiling, adjustment periods. etc.  

Without seeing more details, it's tough to go into the weeds. 

Am I missing out on a key detail?

Most realize the details during tax planning with their CPA.This post does not create a CPA-Client relationship.

Even an after-hours emergency call should have been less than $200.I would contact the locksmith to verify this is a legit charge and get the details of what happened.If it really was a broken knob, then I think it's only fair to absorb the cost.

If you build (via managing a general contractor), you should (ideally) know more about how the property was built than if you bought an existing home--you know what's behind the walls, and ideally you might avoid anything wrong with buying an existing home with issues you and your inspector didn't catch.I understand there's risk to building--it just seems right now that the risk is lower than buying an existing house--a house where you simply cannot know every detail without tearing it down to the studs and doing a complete remodel.