I'm getting cold feet already. I wouldn't consider taking a job on like this without a contract gone over by my lawyer, that I don't have anyway, and considerable up front money from the homeowner. I also got advice while working for a contractor in the past who reminded me of all the times he had been ripped off. Best to leave this one alone, I guess. How do I tell the homeowner that it is too much responsibility and risk for me to handle without sounding like a wimp?