And, if anyone might have a cookie cutter "bill of material" list they wouldn't mind sharing? 

Most of who I've spoke to so far are spec home or cookie cutter builders.

Or cookies when diabetes kills millions?

Cookie cutter is the best approach.

I guess that sums up to a group of people who would LIKE TO know what to do, but not one person in the group really knows.So...one 'like-minded' person tells the other 'like-minded' person that they should both try some senseless strategy and everyone can learn by banging their heads on stone walls.The only thing I like about some meetings is when their is soft drinks, coffee and cookies.

My recommendation is to start with smaller banks and credit unions, as those can be easier to work with on non-cookie cutter loans.You also want to think about the renovation itself. 

Rocket is a great company to use for a cookie cutter loan but I don't think they are a good reference in your situation. 

Hey that’s the special cookie recipe you need to make, and then your golden, I have similar issues, prices now are like a slot machine or like an auction, they are all complaining about supply and demand, I wonder if my contractors hire Chinese people and these people are stuck on a boat in Cali because all of the truck drivers are on strike?????

But that’s when you need to push yourself and an excellent way of doing that is recalling what marathon runners call “Reaching into Your Cookie Jar”.

Maybe work at a large apartment complex in the rental office showing apartments and taking applications.That way you can get to know how to show units, proper safety techniques for yourself during a showing, and standard industry protocol for a lot of other things.And make some friends along the way.Pro Tip: They tend to put fresh cookies out in a lot of places--but staff are not allowed to eat them.