the ultimate solution would be to do foam injections into the subfloor, but that is probably out of the question.  

G.House O' Foam  Dallas, Tx

While the Swedes eschew closed cell foam (they see rock wool as producing a healthier living environment), if one were to used a closed cell foam it would be possible to produce wall assemblies of R70 or more)I have yet to find a build using Nordic/Swedish framing in Canada - I do know of one in Minnesota, U.S.A. - but, there must be some out there.   

Most realtors start foaming at the mouth with excited to help you get into a property. 

Here is one for $345 and free shipping using Wayfair supply (you will have to sign up for business account for that price or request it, sometimes they can shave more off too):

@Molly Jacobsen  thank you Molly - I am finding out that private flood insurance DOES exist - so I'm very happy - and you're right - I do need to wait till policy ends to renew but that is OK - I got quoted some great prices that may shave off almost $100 / month when I can switch over - that equates to more cash flow - dollar for dollar.  

The table covered with tiny lead pieces, lead shavings and lead dust.

Land NOT included, Our building cost WITHOUT county fees are around $72/sq. ft. with medium grade finishes.Start to finish for a 4000 sq ft building like a 4 plex is about 6 weeks.A.G.House O' Foam, Inc. 

You may be able to shave some off the top if you take care of your management.  

When it comes to CapEx @Ben Leybovich and @Serge S. have put together a great article that shows the math in regards to replacement costs and life span of each.