You could definitely see the old neighborhoods start to get a little more polished.

Lenders are getting nailed. 

So how do you differentiate on the spreadsheet if there are a lot of items (appliances, tools, supplies like wood, nails, etc...)

Suspension is totally shot, brakes fail without notice, E-brake snapped, glow plugs do not work, wipers held on with a few bent nails, it leaks everything, has 240,000 miles, and the dash looks like a christmas tree and it has only caught on fire once so far... but I paid for it with the cash in my pocket 5 years ago and it runs, which is obviously all that matters to me!

Be aware that all businesses will charge you 8% (may change) the services, that means your contractor, barber, nail salon, tax preparer; if they don't make the 100k mark, they keep that 8%.

To a man with a hammer everything looks like a nail.

So many others have nailed the key here, you can accumulate all kinds of information for free, some can take it and run, some need the hand holding and step by step guidance. 

After installation I had someone come out and polish the floors, resulting in the stone having a high gloss.

You may have hit the nail on the head regarding in-state primaries and out-of-state investments.

I'm reminded of the saying "If you only have a hammer, everything tends to look like a nail".