But you have the 30 ft pilings... special foundations definitely drive up the construction costs significantly.I'd keep shopping like @Jon Klaus said, @Anand S. and compare the line items a bit if the GC's break them out.

I was looking for a Template of a line budget to supply to contractors. 

The calculations for cost of replacing a tenant in each unit each year makes sense and I suppose is a conservative line to take. 

An FHA (DE) underwriter has to justify all loans they approve and be able to defend it if the loan goes bad otherwise there DE credentials could be on the line.  

That said, if you're good with on-line learning and test taking you will be fine. 

Since her home was flooded due to an interal plumbing issue and the insurance company is paying to remodel the existing old (1920s) and dilapidated structure (could tell by looking at some of the 2x4 studs revealed in the partial internal demolition), I decided to find out if my mother can use the money should would receive from the insurance company in the form of a check, put that towards the remodel, and in addition secure a construction-to-permanent loan in order to fund the complete transformation of her 1 bed 1 bath 1,200 sqft home into a 2-story duplex that she can rent out, airbnb, etc.

We just recently bought a house that started as a single family house but now is attached via roof line to another house on the same plat.

Planning on 23 2bd and 10 1 bd but the mix can shift if one bed is better.

I've stopped using it in general.I used to describe a property's immediate area as a "quiet, tree-lined street."

Set your goal and start to figure out how you can accomplish them including time lines.