Rockwool insulation......

The problems with the project mostly stemmed from the crawl space work, which required shoring, replacing structural members, leveling floors and insulation. 

Winter doesn't bring too much extra cost as long as the home doesn't have outdated appliances and has sufficient insulation.

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Quote from @Blake Van Ness: Hello i'm working Insulating my garage.

Sounds like if you know and follow the rules you should not only be OK but pretty well insulated from competition (people swarming in and oversaturating)

The build cost would be a little higher because i would use foam in the exterior walls and also use insulation in the interior walls for energy saving and sound dampining.

You still have flooring, cabinets, bathrooms, plumbing, insulation, paint, etc, so all that cost remains the same it would seem. 

Roof white owned all hispanic.. hvac white owned white workers. dry wall  white owned all hispanic  insulation white owned all hispanic.. flat work hispanic owned all  hispanic workers,  floors and tile  Eastern block owned Eastern block workers speak no english do incredible work.

I make sure they're well insulated, have replacement windows, spend more on nice flooring that looks great (plank style / wood-look porcelain tile, hardwood or click-together LVT planks, not peel-and-stick squares).