Let that person do the work, you buy the materials -- whatever. 

Sure contractors cost more in higher end markets, but the materials are roughly the same in price, while the deposit can differ significantly. 

. • Demo• Minor plumbing & electric• New drywall and durorock• New tile• New flooring• New Vanity and Faucet• New exhaust fan• Paint• New baseboardsWhile most of this is inexpensive to replace, installing the tile can add up along with materials.

Do they make a distinction between the fixtures and features of the property itself, and any tools/equipment/materials you have at the property?

To me it seems that it's only material if it will cashflow after the refinance loan is taken out and the 1% screening criteria should be applied to the ARV, not the purchase price which will be a distressed and low amount. 

Most of the time mold is simply: remove the soft materials, wipe down studs with some bleach, and replace.

I thought the house was easily worth 600K and with 20K of material to upgrade the house it should easily sell for 700K.

I have generated a list of all the material cost that you would expect to pay at Home Depot.

I deal with the financing/screening/material selection, and he deals with regular maintenance, and anything related to the rehabs.   

If you do it yourself, it's my understanding that you can charge for materials, not labor.