That's a cue to overcharge and underdeliver.

Businesses overcharge customers everyday, its just when you know the person that you are making money off of, somehow it feels less ethical. 

I dont see a lot of damage and all the work is mostly paint and finishing you are being way overcharged at 6100.  

Where as the success of a dividend for a whole life company comes from one of three places: a) over charging clients on whole life policies b) outside investing c) more profitable insurance products I look for a company operating in area c. 3) A competitive borrowing interest rate. 

Otherwise, when you jump in with all chips on the table, you might find yourself in a bind picking out random contractors that don't know what they are doing while at the same time overcharging you.BiggerPockets has a Rehab Estimator that you should check out.

I also would love to save some money since I feel I am being way over-charged for my insurance.

Find a contractor who is willing to work with you and isn't over charging you because you dont understand home construction.

It also prevents tenants complaining about being overcharged.

Learned one sub was overcharging and needed more attention.

The goal is to exclude utilities from rent and ask tenants to pay monthly constant which is lower than the bill to make sure I don't overcharge them.