Your fridge and stove, while new, still has shipping material on them.

. $2-4 per sf.Rigid Core Vinyl: This material is available in SPC (stone polymer composite) and WPC (wood polymer composite) types.

A builder’s risk policy is also worth exploring, as it can protect the property, materials, and equipment during your restoration work. 

Quote from @Conrad Tillman: Quote from @Jay Hinrichs: LOL  its kind of like 50 ways to leave your lover.And its very much dependent on your jurisdiction. however I will list the stuff I have gone through the last decade or so through about 200 new builds in 4 markets.1. material price fluctuations. rarely down almost always up pretty much annually. 2. as we all know labor  scarce  and or unqualified and do poor work..

Of course, you won't listen to this common sense because you know more than everyone else here on BP and will have to learn the hard way.So, recommend you find and attend some local investor meetings or commit to watching all the videos and reading all the material here on BP that you can.Good luck:)

Quote from @Davin Manfredi: This is a construction material on the remodel or work done on the home, so I would say it would fall on you.

Ask them to explain.2) They should provide you with the materials receipt, which you'll need for the warranty!

If the only difference between a co-signer and an applicant is a second job or some other insignificant factor, they are NOT co-signer material.

I am not finding much material online or a book to study from.

This being said, that would justify only a reasonable price increase caused by the cost of materials.