I bought a brand new house in Fort Worth 4 years ago and it is averaging under 30% expenses per year over that four year period.

For reference, I doubt a GC is going to be willing to undertake the cost estimation of building a brand new house without serious consideration for actually getting the job (it would be a good bit of work).

The stuff that comes to mind immediately are issues with walls and scratching the brand new kitchen cabinets that were just installed.

Here's a starter that I use with clients that I originally posted here http://www.biggerpockets.com/forums/53/topics/55506-wholesale-website-design: Who is your audience?

I suspect the loan is not brand new, though, so the remaining term is shorter than 30 years.

I would also suggest focusing on deals you have done in a track record section of sorts if your audience will be investors.

I think the answer to your question depends on the target audience.

The roof on the house and garage are virtually brand new.

A tenant made me mad by abandoning a cat with brand new baby kittens (without food or water).

A brand new company with no assets and no credit history is going to have a very difficult time getting a loan of any type even with a personal guarantee signed by you.