I am under for 235k, am trying to get 35k built into the loan for construction costs which should cover all of the units.

You also need to look at the most popular deceptive and predatory practices that are generally discussed as "predatory lending".There you will find examples of predatory dealing in general, it's not all specific to lenders, you'll see that there are underlying deceptions of Realtors, construction contractors, appraisers and settlement agents that aids in the conspiracy of predatory lending practices.

They assume a construction cost or renovation cost at Y.

Great curb appeal and nice brick construction. 

Then, he/she will be able to help you construct a plan that will enable you to reach your short-term goals and reap the benefits needed for the proceeds and resources that your long-term goals will require.

Then, he/she will be able to help you construct a plan that will enable you to reach your short-term goals and reap the benefits needed for the proceeds and resources that your long-term goals will require.

I know you can only take a HELOC on a primary residence, and only take a construction loan BEFORE construction starts.

I have over 30 years of experience in the mortgage & construction fields, and am presently working for a national reference laboratory as an executive assistant in Salt Lake City,Utah. 

Everything seems to be very user friendly, and most of the posts I have read seem to be by friendly professionals, offering up their expertise, or networking.I started out as a realtor and mortgage broker in the Tampa Area, and my business has grown to include my own Brokerage and Construction Company.  

They sent over my current policy and turns out im still under a Builders Risk policy. i did some quick research and i found that builders risk insurance does not cover personal property since personal property on a construction site usually signifies that the owner is now living there.