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4. Low cost native stone or brick construction. Exterior <br /> doors, windows and trim of below average quality. May <br /> be insulated using minimum insulation. <br /> Roof: <br /> Wood frame and deck sheathing of below average quality with <br /> either wood shingles, asphalt shingles or metal covering. <br /> Floors: <br /> Below average grade wood joist with plywood or equivalent <br /> sub-floor. Softwood floor or equivalent. <br /> Interior Finish: <br /> Below average quality plaster, drywall or equivalent, wood <br /> paneling. Finish papered or painted. Softwood interior <br /> trim and doors. Below average grade door and window <br /> hardware. Minimum amount of kitchen cabinets . <br /> Basements: <br /> Not included in the base cost of the dwelling structure. <br /> Add for basement as reflected in schedule. <br /> Attics: <br /> Usable attic areas, finished or unfinished are not <br /> Included in the base cost of the dwelling structure. <br /> Heating: <br /> Forced air furnace and circulation system or equivalent. <br /> Air Conditioning: <br /> None included in base cost of dwelling structure. <br /> Fireplaces: <br /> None included in base cost of dwelling structures. <br /> Plumbing*" <br /> Below average quality and quantity of plumbing fixtures, are <br /> included in the base cost of the dwelling. <br />