I installed Minut senors in May (living room + master bedroom).

I can buy tile, light fixtures, bathroom fixtures, drywall, paint, primer.

I can pull a HELOC on my investment property in KY, pay outright with cash or finance through the installation company.

Any idea how hard installing a ceiling attic access is?

If you do it all yourself at minimum your looking at probably 5-7k on the kitchen, 2-3k on the bath, 1.5k in the floors unless you are using the peel and stick tiles, close to 500 in pain and supplies.

Our personal  house had previous work done but the piers were poorly done, and we noticed dry wall cracks and tile floor "separation"  about 2 years back.   

We've had the same opportunity in 1 of our Investment Properties to refinish the floor....we ended up putting in a 7mm Laminate Floor that was cheaper to install than to refinish the old.

He also broke some fireplace surround tile that I was keeping.  

This range does not include taxes and fees, and does not factor in your unique location.is the company that installed the ac unit screwing you over?

If it is is a group home, chances are you are going to need a commercial sprinkler system and fire control devices(pull alarms) and panel installed.