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Material lead times and permit timing should be visible as assumptions, not optimistic blank spaces. Ask which selections must be finalized before work begins, which items can delay rough-in or cabinet installation, and whether the proposed start depends on permit approval. Also clarify storage...

I would compare all three, but over your realistic ownership period rather than automatically using 30 years. Put each offer into five-, seven- and ten-year scenarios: upfront fees, monthly principal and interest, remaining balance, and any cost triggered by repayment. APR is helpful for...