Adding another bath would be a big project for what its worth, I however have been thinking about adding to the home a 2 level area 15x40 foot print,  one of the 15x40 areas I would make a rental the other 15x40 would be living space. possibly adding another batroom to the mix. 

I think the work around is called a "fee sheet" to me its the same thing, I believe they have printed on the fee sheet " this is not a GFEI should note that Once an application has been completed by the applicant the lender by law has 3 days to get the GFE to the applicant. some lenders will however not take a full application to avoid problems w/compliance.

If I may be so bold....you are letting them run the show, and they are capitalizing.  

I believe further appreciation in SF Bay Area market in the next year time frame, due to the money printing from our fed.

They'll put some numbers on a spreadsheet and tell you they have the greatest thing since sliced bread to sell you even though all the foreclosure data you could want is yours for free and all you have to do is go to whatever the local paper (in print or on line) in the public notice section and look.Depending on the state, you would need to have cash in hand (cashier's checks) at the time of the auction.

Please see my thoughts in bold below. 

Then my designer gave me the file electronically and told me to take it to a local printing firm...

This is just plain anti-trust and totally biased, as my answer lies in the fine print at the bottom of the article; it is no wonder, having been written by an anti-investor, pro-lender.

I’ve seen people purchase without realizing there can be a lien on the title that is not printed on the title.

. - This is best for the seller since the Broker's Broker understands the culture of real estate agents, can interview them and determine their success rate in working on certain properties and with clients and their motivation and can questions them in terms understood by agent and Broker's Broker --- Sellers should not risk listing their property with a new agent or an old agent doing all the convenient and unprofessional ways from the past.There lots of ways to make money with tax sale situations - glad to help - hope this gave you some ideas -"Real estate investors ----- Be different - be bold - go where others don't - talk with sellers daily - profit from your games, get out of the line of conventional learning and keep it simple."