If the odor is actually powerful, you need to throw out the old carpet and wash the cement under it with powerful soaps and acids several times

Here is what I am thinking of doing:remove drywall from walls to pinpoint any leaking causing high wall moisture, fix any leaksremove about a foot worth of dirt from the floor to have over 7' of ceiling heightadd cement to dirt flooring so there is flat spaceAdd a vapor barrierAdd flooringClear potential moldAdd new drywallReplace flooring and bathroom showerBecause I've never managed a project to this extent, I wanted to see if anyone had advice on how to prepare for contractors.

According to people I talk to, 2 families are built to a different standard than 3, chief differences include a cement wall surrounding the furnace room and fire escapes.I suggest you check first if a variance is needed before preparing plans.

When we wanted the higher-end finishes that our market demanded (wood floors, granite, cement board siding, etc.), we found that those were not available or could not be factory installed and transported like lower-end finishes (carpet, vinyl, laminate).

I did that and additionally cemented the area, so there is a 2 feet wide walkway all the way around the house.

. ($25,000)The roof is about 20 yrs old and is leaky  ($8000)The cement driveway and parking lot is in bad shape  ($10000)After taking out $500/month for miscellaneous maintenance costs, my monthly net is about $1500.Going forward, what are some of the best ways to finance these projects?

@Johnny Soriano It will also have to pass an FHA appraisal - not just for the amount of the loan, but also for safety.That means no peeling paint, loose hand rails, broken windows, crumbling cement steps, etc.Those require a construction loan (FHA 203K) or Fannie Mae Homestyle.

Further, the phantom "addendum" that suddenly appeared was backdated prior to the close of the mortgage, further cementing the idea that the original lease was not only a "sham", but that it was intended for the sole purpose of helping the seller secure a loan that he didn't qualify for at the time income-wise.  

From my experience (which is considerable dealing with issues like this) it would be good to either put plastic with rock down or cement grading away from the house. 

Overhead and profit and sales tax. clearly fit into this definition and should be included in both the replacement cost and actual cash value amounts.After I approved the estimate to be sent to my insurance person, a week and half later he sends another VERY FALSE LIES ALL THE WAY Invoice to my insurance company claiming a leak under my cement slab and it was going to cost close to $8000.