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My guess as a small time builder/investor - I have never costed...

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    My guess as a small time builder/investor - I have never costed a project at say 1 dollar and asked to borrow 1 dollar

    I have always allowed myself what I call wriggle room.

    I planned for all contingencies - then doubled it

    and then I liked to have a backup plan

    If you think asking your lender for extra money when you don't need it is difficult - try asking them for extra money when you do need it
 
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