Charge them - go with maybe granite or a cheaper alternative that consumes the deposit in-full and you have no out-of-pocket cost associated,To your success!

You can always look for cheaper loans or hard money lenders if you're using credit cards with high rates.

People are shortsaling left and right barely before they foreclose and moving into cheaper rentals or mutlifamily co-ops and sharing with multiple generations in the family to make their welfare checks cover overprice iphones androids and lux vehicles.Are rents really falling in Denver, already?

. $1 is cheaper than $1 + a paint expert + an appraisal re-visit. 

As far as your stance that banks aren't much cheaper than hard money lenders, please point me to the hard money lender that offers 1pt and 5.5% interest and I will put $1M of business to him today.

Natural gas is cheaper that electric , it is what everyone prefers around here .You could always do a mini split heat pump , I have paid between 3 and 4 grand , materials and labor total

Sometimes you can get contractors for cheaper during the winter time.

I feel like this is a unique product for the area and if people are truly interested they are going to make an offer regardless if its 10,000 cheaper.....looking forward to hearing your feedback....BTW, I've been following your new construction project on twoplustwo and have really enjoyed it - keep up the good work :)

In the long run it's cheaper to avoid mistakes, especially if you don't have much cash on hand.  

Cheaper, less work I think,  and you can cut it yourself.