I did a lot of digging and it seems that, for contractor software that can do integrated Gantt schedules with budget tracking besed on estimates, least in the smallest end of the market, the top universally available products are Smart Contractor ($1188/yr) and BuildStar...
I found this new collaboration software Collaber, which I wanted to share here.
It is an alternative to MS Groove. Has a downloadable version and web versions. Also provides servers. Will be useful for virtual groups and small businesses.
I find this software better than Basecamp and huddle.