.$168.88 Simmons Premium Hybrid Memory Foam Mattress 10" - https://www.amazon.com/gp/product/B09PFJNFV4/ref=sw_img_1Could be a good mattress.

Normal wall assemblies require tons of different products like lumber, drywall, insulation, sheathing and siding to meet these needs.

I think it's something like "supplemental lines"  where those providers fall outside the normal providers somehow - which gives them price permissions to charge more for their product - but at least you get the insurance.  

It may look like you are overpaying on it on paper but if you buy nice product in nice locations you will appreciate and be well occupied at the same time in my experience.  

I'd avoid apartments or any costar product for that matter.

I want to utilize either a 2nd home type product or investment property product.

We use a product called Vital Oxide in our flips to neutralize odor and disinfect.

You may want to opt for a different loan product other than FHA. 

I am open to other lenders and products, But currently seeking funds of $467kOne of my goals in Real Estate is to acquire and manage homes in my hometown.

@Gino BarbaroWe are buying smaller BTR product direct from builder at completion - typically projects with 10 to 20 duplexes per property.