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Introduction:

Adam and Eve were ready to start.  They were excited.  They had their house plan.  They found a property.  They wanted a price from me – a builder.  So there we stood, together. I looked at their little house plan drawing and knew it was time for the “Sermon on the Lot.”  It was time for Adam and Eve to start all over.  It was a chance for Adam and Eve to do it right this time.  All they needed was a little ….ok, a lot of guidance from me.

Adam and Eve start this journey with me from the very beginning.  We start where man and woman must painfully start, with a budget and not with a building lot.  This is not a magical budget, but a realistic plan that will set the tone for the entire house and maybe save their marriage in the end.  Once Adam and Eve have their budget, only then can we begin the search for the lot.

Adam and Eve and I reluctantly agree on a budget, find the lot and build the house together – from start to finish.   Sometimes it is easy and goes smoothly.  Sometimes it is not as easy when Adam and Eve continue to overspend the budget.  Eyes turn to me to help, but money does not grow on trees. However, with each step, Adam and Eve and the reader learn what it takes to build a custom home and many of the steps necessary to make it special.  Most importantly, what it takes to do it right – to build a quality home. 

The story is filled with tons of technical how-to and what not do’s!  There are spread sheets for bidding and illustrations to explain the technical stuff.  But the story of Adam and Eve reaches into the heart and soul of what it is like to go through the process of home building.  In the end the reader may decide never to build a custom home.  But they will learn what really lies ahead and will be prepared if they choose to move forward with building a custom home.

This is not a book that describes in great detail the many options for materials and procedures for building a custom house.  Even though there is a great amount of information (and some very unique), it is the intention of the book to bring alive the building experience.  That being said, in the appendix is a bid spreadsheet supplemented with a detail explanation of each line item with many of the building materials and procedures discussed. 

About the Author:

Fred Dickson has had his own business of building custom homes for more than 30 years.  He has built more than a 100 homes, bought and developed vacant land and remodeled countless numbers of other homes.  More than eighty percent of the custom homes built by Fred, were also designed by him.  He spent countless hours with each customer and their families expertly leading them through the construction process.  He watched six projects end in divorce and witnessed first hand a great number of “strong” disagreements. 

TABLE OF CONTENTS

Chapters:

  1. Starting Over
  2. The Budget - The truth of it all
  3. Buying the Lot - Where, oh where did the budget go?
  4. House Plans - To Architect or Not to Architect?  That is the question
  5. Paying the Builder - Let the good times roll
  6. Plans and Bidding - How many bids does one man need?
  7. Footers and Foundation - Finally something concrete
  8. Waterproofing, Draintile and Waiting - Where, oh where did the architect go?
  9. Working Plans - Making working plans work
  10. Framing - Does anyone speak English and I quit!
  11. Product Selections - What? Where? When? How much!!!
  12.  Mechanical Rough-ins - It all flows downhill
  13.  Insulation and Drywall - Time to rock {another name for drywall} and roll
  14.  Cash Flow - Where, oh where did the money go?
  15. Painting - Doing it right, inside and out
  16. Tile, Hardwood, Trim and Cabinets - Delivery is when?!!
  17. Driveway, Grading and Seeding, Mechanical Trims - Black earth and hot wires
  18. Cabinets Revisited and Flooring - Being plumb and level
  19. Final Clean and Moving In - Dog Thoughts
  20. Cabinets Revisited Again and Done Deal - The End!  

Appendix:
A.  Illustrations:

  1. Site Plan
  2. Footer/Wall Section
  3. Garage Slab Detail (door detail)
  4. Typical House Section
  5. Roof Overhang Detail
  6. Electrical Layout for a bedroom
  7. Cottage Foundation and Framing Plan
  8. Cottage First Floor Plan
  9. Cottage Truss Layout
  10. Cross Sections A & B of Cottage
  11. Cross Section of Exterior Door of Cottage
  12. Cottage 2D Front Elevation
  13. Cottage 3D Front Elevation

B.  Spreadsheets & Other Documents

  1. Sample Lumber Take-off by usage
  2. House Bid spreadsheet with detail explanation of every line item
  3. Bank Payment Schedule spreadsheet

C.  Short Story (One Day in the Life of a Builder – Footings)

APPENDIX B  Spreadsheets and other Documents

At this time the actual spreadsheets are not a part of the eBook but may be ordered separately.

  1. Lumber take-off in sequence of use
  2. Bid Master (How to use)
  3. Bank Draw Schedule
  1. Lumber Take Off

Below is the sequence of framing material as I order it.  This will cover almost all of the items you will need to frame a house.  If you follow this list, the material will be in the order that the carpenter will use it.  Also, by using this list for bidding from different lumber yards, you will easily be able to compare bids. 

I am also providing this same list as a spreadsheet (not included in the eBook).  This will allow you to change, edit, add or subtract items as you wish.  Make sure you save the original and use a copy to do your editing.

Framing material takeoff for:

 

 

Date:

 

 

 

 

 

 

 

 

 

Basement (For Rear Framed Wall)

Remarks

Sill Insulation

 

 

 

Sill Plate treated

 

 

 

Exterior Studs

 

 

 

Fire Blocking

 

 

 

Top Plates

 

 

 

Sheathing

 

 

 

 

Headers

 

 

 

 

 House Wrap

 

 

 

Concrete Blocks

 

 

 

Interior Walls

 

 

 

 

Sill Plate Treated

 

 

 

Studs

 

 

 

 

Top Plate

 

 

 

 

 

 

 

 

1st Floor Deck

 

 

 

Glue

 

 

 

 

Joists

 

 

 

 

Sill Plate Treated

 

 

For Foundation
and Steel Beams

Band Board

 

 

 

Subfloor

 

 

 

 

Joist Hangers

 

 

 

 

Single

 

 

 

 

Double

 

 

 

 

 

 

 

 

1st Floor

 

 

 

 

Exterior Walls

 

 

 

 

Sill Plate

 

 

 

 

Studs

 

 

 

 

Top Plates

 

 

 

Blocks

 

 

 

Bearing Walls

 

 

 

 

Sill Plate

 

 

 

 

Studs

 

 

 

 

Top Plates

 

 

 

Blocks

 

 

 

Interior Walls

 

 

 

 

Sill Plate

 

 

 

 

Studs

 

 

 

 

Top Plates

 

 

 

Blocks

 

 

 

Headers

 

 

 

 

Sheathing

 

 

 

 

House Wrap

 

 

 

Misc Bracing Mat

 

 

 

 

 

 

 

 

Garage

 

 

 

 

Exterior Walls

 

 

 

 

Sill Plate

 

 

 

 

Studs

 

 

 

 

Top Plates

 

 

Sheathing

 

 

 

 

Headers

 

 

 

 

Tie Down Straps

 

 

 

2nd Floor Deck

 

 

 

Glue

 

 

 

 

Joists

 

 

 

 

 

 

 

 

 

Band Board

 

 

 

Subfloor

 

 

 

 

Joist Hangers

 

 

 

 

single

 

 

 

 

double

 

 

 

 

 

 

 

 

2nd Floor

 

 

 

Exterior Walls

 

 

 

 

Sill Plate

 

 

 

 

Studs

 

 

 

 

Top Plate

 

 

 

 

Blocks

 

 

 

Bearing Walls

 

 

 

 

Sill Plate

 

 

 

 

Studs

 

 

 

 

Top Plate

 

 

 

 

Blocks

 

 

 

Interior Walls

 

 

 

 

Sill Plate

 

 

 

 

Studs

 

 

 

 

Top Plate

 

 

 

 

Blocks

 

 

 

Sheathing

 

 

 

 

Headers

 

 

 

 

House Wrap

 

 

 

Wall Bracing

 

 

 

 

 

 

 

 

Roofing

 

 

 

 

Soffit/Facia Material

 

 

 

 

Blocking

 

 

 

 

Subfacia

 

 

 

 

Continuous Vent Strip

 

Sheathing

 

 

 

 

Overbuild

 

 

 

 

Plyclips

 

 

 

 

Rafters

 

 

 

 

Truss Bracng

 

 

 

 

 

 

 

 

Interior Trim/Doors

 

 

 

Doors

 

 

 

 

Baseboard

 

 

 

Plinth Blocks

 

 

 

Casing

 

 

 

 

Crown Molding

 

 

 

Flex Casing

 

 

 

Sill Material

 

 

 

 

 

 

 

 

Decking  (Exterior)

 

 

 

 

Screws

 

 

 

 

 Posts

 

 

 

 

Railing

 

 

 

 

Joist

 

 

 

 

Decking

 

 

 

 

Concrete

 

 

 

 

Hardware

 

 

 

 

Stair Material

 

 

2.  Bid Master

How to Use the Bid Master

First, open up the spreadsheet entitled Bid Master (not included in the eBook) and save a copy as “my bid master” or any name you choose.  This way you will keep the original with all the line items.  Many of these items you will not need with your bid.  When you get through with editing and making your changes to this copy, save it again but this time save it under the job name you want to reference it to.  Now you will have three copies of the Bid Master: 1) the original that came with this book, 2) a duplicate copy called “my bid master” and 3) the copy intended for the job you are bidding. 

Once you have your own copy, delete any rows you do not need.  Make sure you delete the entire row by highlighting the entire row and deleting it.  If you only delete the one block and then move the rows up, the formulas at the end of the spreadsheet will not be associated with the correct line item.  After you have deleted a row, you can then move up all the items below and start reducing the size (total number of items) of the bid and make it easier and quicker to use.  For example:  if you do not need “demolition” then delete that entire row and move the other rows up. 

You can add more columns if you are getting multiple bids and want to track them all.  Right now it is set to print in a “portrait” mode, but if you are adding more columns and keeping the remark column, you might need to change to “landscape” mode.

The only equations or functions are at the end.  The spreadsheet sums up the total job cost and then inserts any of the last items for a grand total.  Of course you can change and edit any of this to make it work for you. If you have added more columns for additional bids, you can simple copy the formulas from the original columns and paste it at the end of the new columns. 

Below is a copy of the Bid Master with all my comments to help you with your own bid.  I have deleted the “Budget” column to make it fit this page and a little easier to read.

BID MASTER WITH COMMENTS

 

 

 

SUB_CODE_TITLE

 

REMARKS

 

 

Turnkey means all Material and all Labor

Building Permits

 

Check with county for permit fees

Water Tap Permit

 

Water and Sewer permit fees

Misc Permits and Fees

 

 

 

 

 

Plan Costs/Architect
Fees

 

Add printing cost to this

Specs/Plats/Blueprints

 

More copying cost

Engineering - Structural
Steel

 

If you need a structural engineer to review
and stamp your plans

Architectural/Engineering
Extr

 

More architectural fees and site engineer
for site plan

 

 

 

Lot Clearing

 

This bid should include removing all
stumps and debris

Fill Dirt and Material

 

You might need to import material
for backfill or other uses

Site Survey

 

Lenders require foundation wall check
and final house survey

Rough Grading

 

This is for any special grading prior
to excavation

Sediment Controls

 

Plans for this should be prepared by
the site engineer

Demolition

 

If you need to knock down old structures
and have them removed

 

 

 

Sanitary Toilet

 

Porta-John  Usually a monthly rental -
allow plenty of months

Dumpster

 

I use five or six on a typical large
custom home at $500/load

Temporary Electric

 

Try not to need this.  Most subs have
their own power.  Get permanent power ASAP

Individual Well

 

Drilling the well.  You might need equipment
or clearing/grading to get the rig in.

Water Service

 

Public water or cost to run well line and pump

Septic System

 

Try to get this done well before final grade

Sewer Service

 

Usually do this with water service if both
are available

Propane Tank

 

Buy this.  Do not rent a tank so you can pick
your supplier

Gas Service

 

This is for gas hook-up.  Can be expensive
for long runs to a house

Electric Service

 

Same thing as gas service.  Make sure you
get plenty of Amps.  Expensive to go back.

Telephone Service

 

Usually done with the electic service
but you need to make sure

Other Utility Connects

 

Satallite, etc

Utility Connections

 

Any other special fees or hookups. 
Gutters might have to be
connected to storm drain.

 

 

 

Earth Hauling

 

Exporting and soil from site

Excavation & Backfill

 

Digging and backfilling the foundation -
watch out for rock and water clauses

Foundation Turnkey

 

Total cost of the foundation  (footers and
walls and parging if a block wall)

W.P. and Draintile
turnkey

 

Water proofing and draintile

Termite Protection

 

I usually treat the subsoil below the slab -
not the exterior of the house

 

 

 

Beams, Steel

 

Structural steel

Posts, Steel

 

Steel post as needed

Structural Steel-Extras

 

Any special steel for fireplaces, brick, etc

Framing Materials

 

This is all the framing material, house wrap, etc.
except the roof trusses

Materials-Roof Truses

 

Roof trusses with necessary hangers and straps

Building Supplies

 

Nails, joist hangers, tie down straps, etc

Framing Labor

 

The cost to do ALL the framing including
punch-out items

Framing Labor - Extras

 

Allow for any special framing not on the plans

 

 

 

Slab Contract Turnkey

 

All the flat work including wire, plastic, steel,
concrete and labor

 

 

 

Gutters And Downspouts

 

Allow for any special drainage here such as
underground pipes, etc

Metal Roofing

 

Any metal roofing or special flashing

 

 

 

Plumbing Turnkey

 

This is for all the labor and material, gas
hookups, etc but not the actual fixtures

Plumbing Fixtures

 

All the faucets, steam shower,
instant hot, disposal, tiolets or the like

Bathtubs and Showers

 

Whirlpool, tubs, shower basin, etc

Plumbing Extras

 

Any special plumbing

 

 

 

Electrical Turnkey

 

Labor and material but no fixtures except
utility lights

Electrical Extras

 

Yard lights, future pool electrical, etc

 

 

 

HVAC Turnkey

 

Heating, cooling, venting fans, venting hood

HVAC- Extras

 

such things as laundry chute

 

 

 

Security System

 

This can be part of your fire alarm system

Intercom

 

 

Phone/TV Prewire

 

Run a few extra lines to the attic

Central Vac

 

 

 

 

 

Roofing - Turnkey

 

material and labor plus all flashing and clean-up

 

 

 

Masonry-Chimney Turnkey

 

Build the chimney and add exterior stone,
brick or what ever

Msnry-Brick Veneer
Turnkey

 

Exterior of the house

Msnry-Stone Turnkey

 

Exterior stone on the house

Prefab Fireplaces Turnkey

 

The fireplace unit and installation. 
Gas and electric will be by others

Fireplace Surrounds

 

Mantel, wood trim, precast stone, etc

Fireplace Face

 

tile, marble,stone, brick that
faces out the fireplace

 

 

 

Windows

 

Lots of choices but only one chance to do it

Skylights

 

Urge use of a raised curb but I am not a
fan of skylights of any kind

Front Door

 

Many choices but wood doors can be
very difficult to maintain

Exterior Doors

 

These are all the other doors going to the
outside and intothe garage

Garage Doors

 

Prefinish doors are much easier to care for.
Add the cost of the openers and installation

 

 

 

Stairs and Rails

 

Allow for installation and order on time. 
Straight is much less then curved.

Iron Rails

 

Basic styles are very affordable and offer a
good alternative. Include installation

 

 

 

Insulation - Turnkey

 

Do it right! 

Insulation - Extras

 

For sound proofing, energy seal and so on

 

 

 

Siding - Turnkey

 

This is for wood and vinyl siding including
soffit, fascia, shutters

Exterior Trim Matls

 

Specialty trims and moldings for the
exterior of the house

Exterior Trim Labor

 

Labor to install the trims and moldings

Exterior Trim - Turnkey

 

 

 

 

 

Paint - Exterior Turnkey

 

Read Adam and Eve book

Paint - Interior Turnkey

 

Read Adam and Eve book

Painting-Extras

 

faux finishes and that kind of stuff

 

 

 

Drywall - Turnkey

 

This includes any concrete board, drywall,
glue, screws, labor, point-up and CLEANUP

 

 

 

Stucco - Turnkey

 

This is the budget for any EIFS on the house

 

 

 

Carpet - Turnkey

 

padding, carpet and installation

Vinyl Floor - Turnkey

 

material and labor

Ceramic - Labor and
Material

 

Wall and floor tile for baths -
protect this when it is finished

Cer Tile Floor Turnkey

 

This is for any major floor areas
of ceramic tile

Hardwood - Turnkey

 

I would never provide the material
but many of my customers do and
save a few dollars

Marble Floor-Turnkey

 

Material and labor for marble or stone floors

Flooring-Extras

 

 

 

 

 

Trim Carpentry Matls

 

All the interior trim except the fancy stuff
(base, casing, crown, chair rail, etc)

Trim Carpentry Labor

 

The labor and misc material to install all the trim

Interior Doors

 

All the interior doors usually prehung with casing
applied, but not always

Specialty Trim

 

Fancy moldings, large crowns, head pieces,….

Trim Carpentry - Extras

 

Labor for the special trims

Columns Matl

 

Interior columns - I like fiberglass instead
of wood usually

Columns Labor

 

Labor to install and columns

Hardware Matls

 

Door knobs, towel bars, tiolet paper holders,
medicine cabinets, window hardware, etc

Hardware Labor

 

Labor to install all of the above stuff

Tools and Supplies

 

You might need to rent or purchase
some tools or special supplies

 

 

 

 

 

 

Marble Tops Matl

 

This is for vanities - cultural marble tops
are usually installed by the cabinet installer

Marble Tops Labor

 

See above

Marble Tops Turnkey

 

This is for custom marble tops
when installed by the fabricator

Granite Tops Turnkey

 

Mainly for the kitchen, but where ever needed.

Cabinets Material

 

All the cabinets, trims, door and
drawer hardware - complete

Cabinets Labor

 

Labor to install all of the cabinets

Bathroom Cabinets

 

Bathroom vanities are separate from the kitchen
cabinets - need to add labor to this

Built-ins

 

Custom built-ins or store bought -
add labor for this below

Cabinets Turnkey

 

This is a material and labor package for the
cabinets - becoming more popular

Total Appliance Package

 

Includes range hood, ovens, cooktops,
dishwasher, microwave -install by cabinet guy

Water Soft/Filters

 

You might need this

 

 

 

Lighting Fixtures

 

All the light fixtures wiith BULBS.  I let the
electricianprovide all the recess fixtures

 

 

 

Fine Gradeing

 

This is done just prior to seeding and usually
by the seeding contractor

Seeding

 

Includes the fertilizer, lime and seed - if you
have time, test the soil before

Sod

 

Nice for small areas, but when you are seeding
acres it is a bit expensive -needs water!

 

 

 

Mirrors/Shower Dr Mtl

 

Bath mirrors and shower doors -
often provided turnkey

Mirrors/Shower Dr Lbr

 

Labor to install the shower doors and mirrors

Finish Hardware

 

Any special hardware not included in anything else

Shelving

 

Can be part of the wood trim or
installed as a separate item

Built-ins Installation

 

labor for any built-ins or special cabinets

 

 

 

Misc. Labor

 

A number for extra help if needed

Interior Bldg Clean

 

rough clean of the site and house - will
need to do this a few times

Final Bldg Clean

 

final clean just before move in

Weather Protection

 

Plastic and other stuff to protect the materials

Trash Haul

 

If you need to haul trash instead of using the
dumpster - usually at the end of a job

Plant Landscaping

 

Make sure everything else is done on the
outside and you have running water

Driveway Turnkey

 

Good discussion of this in the
Adam and Eve book

Temp Road

 

Often needed/required for access to the site and
keeps dirt off the road

Patio Slab

 

Do this before you final grade and
use control joints!

Patio Stone/Brick

 

If on slab, work design with control joints

Sidewalk Slab

 

Again, do before final grade and use contol joints

Sidewalk Stone/Brick

 

See comment for patio stone

Fence Turnkey

 

Need a fence?

Ornamental Iron Work

 

Exterior rails, gates, so on

Deck Matls

 

Often included in the framing package - I highly
recommend synthetic materials

Deck Labor

 

I usually have the framing carpenter do
this including the piers

Retaining Walls

 

Add any outside piers, landscaping
walls, etc to this one.

Misc 1

 

 

Misc 2

 

 

Misc 3

 

 

Misc 4

 

 

 

 

 

Warranty-Subcontractor

 

This is a line item for any warranty work you might
pay out of pocket

 

 

 

 

 

 

OTHER COSTS

 

Any other odd cost you might think of

OVERHEAD AND FEES

 

Any cost you might want to add such as interest,
financing cost, settlement,etc

CONSTRUCTION COST

 

 

MARKUP

 

This is for builders use - this is the percent of
profit or dollar markup

 

 

 

TOTAL JOB COST

 

Bottom Line

3.  Bank Draw Schedule

The “Bank Draw Schedule” is shown below and enclosed as a spreadsheet (not included in the eBook).  Open it and save a copy for your use.  Keep the original safe and sound.  To use this spreadsheet, simply insert the amount of the loan in the column for “Draw Value” and the values will automatically be distributed.  You can alter the percentages or add and subtract items as you wish.  The way it is now has been widely accepted by lenders and works well for the borrower. 

In the below example I used $489,900 as the bank construction loan value.  Typically a bank will do seven “draws.”  Therefore it is necessary to combine a number of these individual items into one bank draw request.

Draw Schedule for:

 

 

 

 

 

 

Date:

 

 

Draw Value

$489,900

 

 

 

 

 

 

 

VALUE

%

Item

%

VALUE

PAID-
TO-DATE

THIS
REQUEST

REMAINING

REMAINING

Excavation

2

9,798

 

 

9,798

100%

Footings

2

9,798

 

 

9,798

100%

Foundation

6

29,394

 

 

29,394

100%

2nd Floor Walls

17

83,283

 

 

83,283

100%

Roof Truss/Sheathed

5

24,495

 

 

24,495

100%

Roof Shingled

2

9,798

 

 

9,798

100%

Doors & Windows

5

24,495

 

 

24,495

100%

R.O. Electric

5

24,495

 

 

24,495

100%

R.O. Heating

5

24,495

 

 

24,495

100%

R.O. Plumbing

5

24,495

 

 

24,495

100%

Basement Slab

2

9,798

 

 

9,798

100%

Drywall

5

24,495

 

 

24,495

100%

Water Connection

1

4,899

 

 

4,899

100%

Sewer Connection

1

4,899

 

 

4,899

100%

Siding/Brick

8

39,192

 

 

39,192

100%

Soffit & Ext. Trim

1

4,899

 

 

4,899

100%

Ceramic Tile

2

9,798

 

 

9,798

100%

Cabinets & Vanities

5

24,495

 

 

24,495

100%

Interior Trimmed

4

19,596

 

 

19,596

100%

Painting

3

14,697

 

 

14,697

100%

Floor Covering

4

19,596

 

 

19,596

100%

Elec/Plumbing/Heating

6

29,394

 

 

29,394

100%

Appliances

2

9,798

 

 

9,798

100%

Driveway/Landscape

2

9,798

 

 

9,798

100%

 

 

 

 

 

 

 

TOTAL

100

489,900

0

0

489,900

100%

 

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