Right now I am working on the wall that is perpendicular to the floor joists. It's not the first floor joist that is in the way.
It appears that there are two joists on top of the foundation wall. I attached a picture. The interior joist is 4" away from the inside edge of the foundation wall. The exterior joist is flush with the exterior edge of the foundation wall. The wall is 10" thick, so that leaves a 3" wide cavity. (10"-1.5"-1.5"-4"=3")
There are several windows along the top of the foundation wall. They stick up about 4" above the top of the foundation wall. The band joists are notched out to fit around the top 4" of the window frame. I am assuming that the builder doubled up the joists because of those notches.
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