Tony,
My basement is in the process of getting to the finishing stages now. I got my own permits and did my own drawings. I found some contractors myself and did a lot of it with my own bare hands.
For electrical, I just got a friend to guide me in doing it the right way, and the electrical inspection before the drywall went up was no problem.
You don't need a permit for plumbing if you have your toilet roughed in (at least that's what the city told me when I got my permit.
I just did all the plumbing myself and leak tested it before closing it in.
Anyway, hope this helps.
Des
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