Hi Shawn,
A few things.
1. Would you make the Capitalization % on the Team be 75% instead of 20%. This would still be a flat 75% capital.
2. You can enter your allocations in either the Team Detail TSV to enter specific hours, or you can make allocation segments by percent using the properties icon on the team page to open Staff Member Properties.
Keep in mind the capitalization % is still 75% but based on the allocation segments.
3. The tasks then will be identified as capital or operating cost type and the actual hours will be booked based on task cost type. If there are no cost types on the task it will use the cost type based on the project itself.
Does this help?