Zinus Green Tea 12" mattress, 2" gel foam topper and Serta Black waterproof cover.

As far as the beams go, removing spray foam is not easy.

One suggestion to save on heating / cooling bills is to put in insulation board and spray foam insulation where there are drafty areas.

The borrower(s) may have initially purchased the property as one of the following:a natural person;an eligible inter vivos revocable trust, when the borrower is both the individual establishing the trust and the beneficiary of the trust;an eligible land trust when the borrower is the beneficiary of the land trust; oran LLC or partnership in which the borrower(s) have an individual or joint ownership of 100%.The original purchase transaction is documented by a settlement statement, which confirms that no mortgage financing was used to obtain the subject property.

In addition, I don't want to overlook terms that I may want to include in the lease agreement(s). Have

We do offer a $100 per month option credit when their payment is made timely; so they have the ability to shave off another $12k in option price over a 10 year timeframe.

As soon as we saw the 87% we knew we had to negotiate the purchase price down to around $125,000 and shave down the renovation budget to $90,000, we cannot really control the fees so we hold those static in the new calculation:  $125,000 + $90,000 + $16,000 = $231,000/$300,000: 77%, which is still high... 

Water and vinegar are amazing for cleaning carpets and using shaving cream to help take up stains.

You could do light weight foam-crete as well for prefab walls.  

Use fiberglass, dense pack cellulose or spray foam, in order from cheapest to most expensive.