and a neat shave will go a long way whatever you wear.I'm with the business casual group on this one.  

Bring value to your mentor and they will add value to you, I have linked with an investor in my area who has shaved years and thousands of dollars off of the learning curve, and was the best decision I have made.  

Once we finish the renovation the plan is to by memory foam mattress $320 - $420 from the local Walmart.  

The general rule of thumb is that the sponsor(s) have 10% of the loan amount liquid and a net worth equal to the loan amount, but not all. 

The basement has been spray foam insulated, and the building is in an "A" location.

What crack head vegetable brained loan officer(s) have you been talking to? 

Generally speaking adding $100 to your payment can shave 7 years off a 30 year loan.  

It comes with foam back so no padding needed.

We addressed all that by using foam ceiling tiles glued to the ceiling.

Half that, could go into the appreciated value of the house.What about the question on spray foaming the walls of the rest of the house?