Hard money rehab numbers vs mine

[Ladd Krestan]

Doing my own work on my flip and looking into hard money to fund. My understanding is they are obviously getting their own appraisal and running rehab numbers in comparison to mine. That said, my numbers would more than likely be less than theirs because im “assuming” they are considering the work is being done by a contractor? my numbers are gonna be lower since im getting alot of material wholesale and doing majority of work myself. Has anyone had experience in this situation? Would they dispute my budget? If so should i get numbers from contractors i know and use those numbers for my budget knowing i will be to the good on the budget doing everything myself?

Appreciate any input

Thanks