I'm happy to share such correspondence if anyone is interested (ping me privately).

The way I bid is they can choose whatever finish they want on a specific item and I cap it, anything over is extra, (i.e. 10/sf for tiles and finish material up to $3/sf), it means that if they order a $8/sf travertine, they'll add $5/sf as a change order, that way they can choose whatever they want.To the OP, a list of scope without corresponding line bid is dangerous, that is why your lender require it, they could charge you 45k demo and 10k everything else to arrive at the total 55k, it's called front loading, and it is legal but unethical.

Always correspond via email so there is written record to bring suit in the event of misrepresentation.6.

Chatham writes:   In an effort to reduce the ambiguity in this area, the Department recommends that mortgagees or other associated financial institutions        report property with any available valuation information (emphasis added) and their corresponding date of death mortgage balances so    the Department can adequately respond and provide the appropriate consideration. 

Ii seems as if the various names and corresponding websites are used to differentiate target audiences and specific loan products marketed to them. 

Prices for investors are correspondingly higher.

My partner can build the house in 6 months and we have drawn out a tentative draw schedule and the corresponding monthly interest payments based on our proposed 5% interest rate.  

You still input the items you want to track but the receipt of the money happens simultaneously. you will set up the items to use on the sales receipt to correspond with the expense or income categories you want to track.

as long as you have a copy of the lease and any other correspondence as required for notification purposes according to your state then you will be fine.    

All of this just helps keep your correspondence organized.I hope that helps.