Vertical sheathing can be used to provide blocking between raised heel trusses.
Energy usage is a variable cost for the homeowner and lenders understand that its almost impossible to assign a dollar figure based upon on "expected" occupant behavior. In a worst case scenario increased efficiency can be wiped out via poor maintenance of mechanicals, excessive utilization of heating/cooling, excessive plug loads, and least of all PV panels can be removed.
This is why energy efficiency is usually found in luxury homes. The higher cost of efficiency represents a smaller portion of the overall cost to build.
Another issue is that typical homeowners are buying from tract builders and do not anticipate staying in the home for more than a few years (5?). So in order for the homeowner to differentiate themselves from the other cookie-cutter homes in the immediate and surrounding neighborhoods it's a safer bet to sink extra money into interior finishes vs energy efficiency.
My 2 cents.
BTW....It's not hard to hit net zero in temperate dry climate such as California when all it takes is a decent PV array.
McMansion defined. A code minimum home typically owned by upper middle/upper class individual and are otherwise known as "New Money". The home is built with the idea of maximizing interior square footage at the expense of the exterior. Consequently McMansions almost always have a stucco exterior or EIFS walls, synthetic stone/brick veneer, code min mismatched windows, convoluted roof lines and "stuck on visual features".
McMansions can be built by custom or tract builders although tract homes will generally occupy as much of the lot as allowed by code.
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