If you are brave, you can find a jack of all trades who can stain and finish your floors for probably $10 an hour. I suggest going to Home Depot (if you have one) early in the morning and hiring one of the guys standing out in front waiting for a job.
For the appliances, I would go to Scratch and Dent - usually a Sears Outlet - and ceck out what they have. I have lucked out and gotten a $3,000 refrig. for like $1,000 because the side panel was damaged, which did not matter because no one ever saw that part of it because it was built in.
As for the granite, Home Depot does a great job and is reasonable. But, if you can find a solo granite man, all the better for you.
The thing about paying the condo upgrade fees is you are paying extra for the convenience of not having to secure the labor and materials yourself, which is worth it to some people. I have done more than one renovation, so I learned that I can secure the labor and materials just as easily as paying someone else to do it.
Good Luck!!!!
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