It's beyond unlikely the bureaucrats who mishandle our boondoggle of naturalization are proactively concerned with internet postings concerning incorporation details for non-green card holders.

Then, in the next, say that there is no material difference between the two for cash value and death benefit.

Capital expenditures include material and labor, but does not include your own labor.

Site selection, estimating/detailed budgeting, all labor/material/soft costs are an open book with no markup/GC fee, and i own all site management from groundbreaking to closing.- Total cost of these projects would range between $390k-$550K.

To start look on home dept and you can price out counters sinks flooring etc to get an idea of materials. 

Buy your Own MaterialsThe hot tip for the week is: Buy your materials / supplies, especially for high-priced /large / single items.

and how do I go about dealing with this.If exactly as you say, your lender is either new/inexperienced or used some version of a form found on the internet rather than have a solid, attorney drafted agreement.

Both also take longer than strangers on the internet will tell you.

Also, they have limited and low quality products that you choose from for materials such as flooring  bathtubs, and lighting, etc.

People think they can use the internet to skip this step.