Others have done a hybrid system and cover materials with something like a home depot credit card or line of credit and then pay contractor's labor some other way.

There's two portions to everything you need done, labor $ and material $. 

I want to follow up and try to figure out the material versus labor components because it's more than I was expecting."

When ever I do a refi, I make sure I have a binder of all the items I've purchased, and labor costs inside that binder.

I don't know what the labor rate is in your area, but I am in MA and going rate for a handyman is $50/hr and licensed contractor is $65-150/hr. 

One waited until Saturday of Labor Day weekend to tell me that their fridge didn't seem to be keeping things cool enough and they had a party on Monday so they had to have it fixed now.  

CAPEX is really determined by the cost of labor and materials in your area.

But also, you might want to check out Thumbtack, I got 3 bids the day I posted, and it was the Friday before Labor Day

It depends on your labor costs.

I re-grouted the entire second floor (kitchen/living/dining area) which ended up being very time consuming and labor-intensive.