The only problem with Mr. Stanley's figures is that some states do not allow such a large percentage of labor to be charged in advance. California is, I believe, at 10%. But you can structure payments after the start to keep the labor and the payments roughly in line.
Full payment for materials is smart because there's no argument then about paying for things.
A good answer is easier with a clear question giving the make and model of everything. "The biggest problem in communication is the illusion that it has taken place." -- G. “Bernie” Shaw
