Thanks everyone for there advice! Im basically just a one man crew trying to get by with doing it all myself some call me crazy but Im young...Theres alot of good people on these boards and I appreciate all the help i can get!
I'm in your shoes. Bidding basic residential is VERY hard for me also. So far I only dare to go T&M and risk losing the work. The work that I do get should give me insight to estimate future jobs better.