I have messed with this split level floor thing for several hours trying to get my heights correct, and found I can get my floor and ceilings correct, but the foundation wall remains low by 2-5/8" (2.625).
I am only guessing, but I set up my defaults to use i-joist at 11-7/8" - I drew several test homes with these settings in place and all worked to the right heights.
so I decided to learn about split levels - small Bilevel homes that I draw often here in West Mi on 6" wide by 3'6"