This includes materials, tape, finish.5- insulation: install blown insulation in attic to proper code.

Office expenses (If any)- Computer, printer/ink, website, marketing materials.6. 

I manage all my own projects ( keeping the crews moving, picking up materials, clean outs, clean-ups, doing all the little things contractors ALWAYS leave undone, authorizing changes along the way that reduce costs and increase value, etc).

If existing sheetrock can be replaced (or supplemented with) a product like Quiet Rock (sound dampened sheet rock) or Green Glue (sound dampening material that goes between sheet rock / drywall layers) I think you would get a significant reduction in conversations being heard in adjacent rooms.

A violation of this paragraph shall be a material violation of this Agreement.8.

It will also help if you have materials on an account like at Lowes, showing receipts that can be paid from the refi at settlement without being considered a cas out refi...

I have a feeling (and some data) that suggests the market is going to loosen up a good bit in the next couple months and banks are going to start releasing a good bit of inventory -- if that influx of properties materializes, I want to be prepared to take advantage of it.

Quality material will last much longer and look better. 

Who picked the materials? 

The materials alone were 7.5k.