I actually wrote down all the appliances and capex items and amortized it based on the projected life expectancy and it all comes to just over 15%! 

I would say it all depends on location.For me, Home Depot is the most convenient for building materials (wood, sheetrock, screws), but for finishes including appliances, cabinets, windows, and flooring, I shop around my local distributors.

(A good rule of thumb is: at least 6 months' worth of expenses for single-income households and 3 months' worth of expenses for dual-income households.) 

If it's the actual use, maybe you can narrow it down to a specific appliance?

I get them to cover closing costs, add in amenities like appliances, window covering, water softeners,  all the things we would have to pay for, they pay for, $ not out of our pocket is $ "discounted".

@Jason Merchey For more details, check out title 37, chapter 22 of the SC State law: http://www.scstatehouse.gov/code/t37c022.php (emphasis added):(30) "Mortgage loan" means a loan made to a natural person primarily for personal, family, or household use, primarily secured by a mortgage, deed of trust, or other security interest on residential real property or security interest arising under an installment sales contract or equivalent security interest against the borrower's dwelling and: (i) located in South Carolina, (ii) negotiated, offered, or otherwise transacted within this State, in whole or in part, or (iii) made or extended within this State.By definition, you didn't "make a mortgage loan" in the context of the legislation.

Median Price: $678,500, +6.02% Yoy.Closed Sales: 4,216, -11.89% Yoy.YTD Closed Sales: 21,325, +1.38% Yoy.12 Month Closed Sales: 38,118, -8.70 Yoy.Inventory: 6,035, +31.62% Yoy.YTD inventory: 33,454, -1.59% Yoy.New Listings: 4,349, +10.77% Yoy.YTD New Listings: 29,789, +8.16% Yoy.Months Supply: 1.8, +38.46% Yoy.Cumulative Days on Market: 29, +3.57% Yoy.Existing Home Inventory as a Percent of Households: 0.22%.

I have found that a good rule of thumb is $10k for all your furniture appliances and essentials for an average unit, plus another $2k - $3k per bedroom.

Our standard finishes typically include:   - Stainless Steel Appliance Package (Yes, All Appliances Included)   - Quartz Countertops in Kitchen & Bathrooms   - Covered Lanai   - Fully Tiled Showers   - 9'4" Ceilings   - 8' Doors   - His & Her Walk-in Closets   - Ring DoorbellThese are just some of the features that come standard in our homes, not as expensive upgrades.

However, nearly 20% of households are now multigenerational, and 73% of buyers are non-investors.7-8) However, from an accounting perspective, there is no profit until the initial negative position can be recovered....Then add in that the ADU is getting financed at home purchase terms, someone else has done the work, ADU income will start month 1.Fully agree that lack of leverage is a huge issue.