1. Contractor
2. Builder
3. Contractor
4. No factor
Do the easy stuff on your own - paint, window coverings, ceiling fans, etc. For kitchen, bath, flooring...I really think buyers fall into 3 categories:
1. "I can't afford additional upgrades" or "I don't want upgrades"
2. "I've got enough to worry about. When I close escrow, I want the home to be turn key and ready to move into." ----> Builder upgrades
3. "I love projects and remodels and have time to project manage. I want to save on material costs, property taxes, mortgage interest." ----> Contractor
Personally, I'm #2. I'm pretty fiscally conservative and will save a buck where I can...but I simply have no desire to manage a remodel and hold off on moving in for 2-4 weeks after close.