I moved here for a full time outside sales position in roofing and safety equipment.  

Just food for thought. 

We raise enough money to have safety nets and have money in our accounts to cover the unexpected.

Also drive access on busy streets is a safety issue since people are backing out into traffic.

Aside from beer and food, I your expenses should be pretty minimal at UPT. 

Due to our limited funds, we want to figure out how to get a great deal, with as little of our cash in the game as possible, to allow a "safety net" of sorts.

,Some food for thought. - Mortgage credit inquiries are not a concern, nor do they have a "hard" impact on your credit.

I can't tell you how many times I've gotten me or my clients a hell of a deal because we can break down what needs done (think: Major structural and/or major safety issues -- not cosmetic, never ever ever bring up strictly cosmetic issues!)

For safety reasons, you might want to consider banning space heaters altogether.   

We were told it would be a "process" and were told to remove any and all food, cooking products, plates, glasses, pots, pans (anything we cook with or eat on) from the kitchen until the problem was taken care of - approximately 2 months!!