I half agree with GJ. New residential construction just doesn't seem like the way to go. To easy to lose your shirt or become career locked. However; residential service is real lucrative in my area (DC/VA/MD suburbs). If you sell yourself, homeowners around here won't bat an eyelash over paying for T&M work. If they are repeat customers, they seldom even question us. The key is to sell yourself/company. Get caught "messing over them" (like the way I cleaned that phrase up?)and you're toast.