I had to construct metal stairs to the third floor.

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:)

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

To qualify for material participation, you generally need to meet either the 500-hour or 100-hour rule.

What materials are used besides the LVP itself?

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.

. $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 @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!