Window screens should only cost $25-40 each - materials AND labor.You might want to give this list to a different handyman and get a price.

You have a legal obligation to inform partners of material facts, financing tops the list of matrial facts.

Talk with the manager/owner of your local discount flooring shops and a lot of them will tell you about materials they have that you can be purchased for pretty deep discounts and what other investors are using locally.The remnant will be low cost and if it gets stained or destroyed then I can buy another one at a discount and "install" it.

A lot of great material in there, just wondering how well it would translate and work in the LA market.

Were these loans not the same, or similar product to what is still being promoted through FHA financing?

Keep in mind that not all differences are material.

But, through all of the advances one thing still holds true, junk in, junk out.I'm all for automating administrative tasks, client and customer lists, leads, document management, property files, accounting, inventory, expense estimates and bids, reference materials, market data, all well and good. 

Of course if your experience is an engineer and you are simply leaving a company for a promotion at another company with the same type of job the lender can count that.

Even charging a non-refundable pet fee does not truly compensate me for the time and materials to fix these messes.

Say 220 was roofing ststems for expenses, 221 could be felt, 222, shingles, 223, hardware (nails, screws, trim, drip trim, vents, sofit) 224, decking/lumber, 225, roll roofing (including rubber systems) 226, glue/adhesives...you get the idea.If you are knocking out say 4 basic floor plans, different elevation but all the same materials/grades, you are buying bulk and allocating costs based on the plans per plan.