If that scenario compromises cash flow too much, then getting a CA MF with upside would be another option, as discussed above.

Sure, but it is a compromise.

They were very aggressive on earning my business, without compromising the coverage. 

A standard once compromised is no longer a valid standard.

I would also consider using Swedish Framing rather than Western Platform framing (if stick building) or assembling the envelope using SIPs.The small bit of extra you would spend to effectively insulate and air-seal the building envelope will pay itself back in operating costs in relatively short order.The codes in this country should really require new builds to be much closer to (eventually at) a Passivhaus standard (perhaps Net Zero as a compromise).

It may be better to buy in the fall/winter when things are slow, but there may also be fewer choices and you have to compromise on what you want.

If they won't take anything else as a compromise then that's what she needs to give them. 

Or, what happens when tree roots compromise the sewer line in the front yard and the homeowner has to pay $3000 to a plumber to put in a new sewer line? 

Water saturated ground can compromise the foundation of the building leading to cracks in the foundation footings, the floors, maybe even small amounts of sinking (not to mention the increased possibility of fungus and mold build-up).

Based on my experience: - Interior and exterior can be completed simultaneously (assuming the exterior is solid enough not to compromise the interior during inclimate weather)