Details here-https://www.biggerpockets.com/renewsblog/2015/12/0...For rental properties at least.

Are they some sort of magical unicorns who speak planning and contractor-ese and will provide a detailed, specific, and GOOD plan?

Buy a book on estimating construction costs (they are readily available, and updated yearly)  Build a detailed scope of work. 

Here’s a link to details: http://www.loopnet.com/Listing/815-9th-Ave-SE-Rochester-MN/8804533/.

@Jonathan R McLaughlin Thank you for such a detailed response, and very good point about the not apologizing aspect.

This information was helpful and I am looking into the details surrounding the refi.

Improperly uploaded my image in the original post - here is the detailed analysis!

Ask @Scott Smith for details on this and how this operation is called.

If anyone else is interested, comment below and I'll send over the details. 

We have payed 80%+ of the balance, but he is fighting that we need to pay the full initial rate that we signed on even though the details of the contract are inaccurate and he never sent any written Addendum to the contract for changes in work (he just went ahead and made the executive decision about adjustments without checking with us first).