@Matt Parker you are in sticky territory here and if you do anything wrong, and the tenant pushes back, you'll lose in court.There are 4 loopholes to SB 608 on why you can terminate a tenant.

I don't think it's fair for him to add additional costs without my approval so I told him I would pay for the extra material and his labor but not the additional items he added which I think is completely fair. now he is saying he will send me to collections to collect the full amount am I in the wrong or is it justified? 

Yes, your calculations are wrong

I’m a broke college student and I’d like to buy and sell without dad’s money.My sister tells me it’s rare that I’ll succeed.Is she wrong?

Go by what @Nathan G.has and you can't go wrong.

I'm an older guy, so I aplogize if  if I'm saying anything wrong.

Where do you think things went wrong?

The reason I want to use my 0% down VA loan and not an FHA or conventional loan is to keep my cash reserves in case something goes wrong (being that is is my first deal).

I believe most people here recommend trying a smaller local bank or a credit union but I could be wrong.

There's no right or wrong way to do it and I wouldn't let this slow you down.