This is the answer.That's the key right there. Big job...small job....don't matter. Never use more of YOUR money than you're willing to lose. Progress payments...bank draws....shouldn't matter, make sure the payments keep up with the work. The payment should pay for the NEXT step, not the previous step. So if you do that, there's no reason to escrow anything. "We're getting ready to start the interior...it's time for another payment, unfortunately "....."Oh, you spent that on a trip to Jamaica??.....hmmm, guess you shoulda stayed there because THIS house aint gettin' done 'til you find some more money. Call when you're ready"