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We try to make about 10% on the houses we spec out. What helps is that my dh can do it all, so we don't have to pay for plumbers, electricans, floor and tile installer, cabinet makers. We can make the cabinets for an entire house for usually less than $10,000, labor and materials. go to a custom cabinet shop and get a quote. We are talking about $30,000 more.
We include the grading and septic tank in the cost of $110-120 a square foot.