.$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.

This boost indicates a stabilizing market with ample opportunities for buyers.Townhomes & Condos: Shifting TrendsClosed Sales: The townhome and condo market saw a significant decline, with 868 closed sales—a 27.9% drop from last year's 1,204.

This boost is a positive indicator of market stability and buyer choice.Miami Townhomes & Condos: Trends and InsightsClosed Sales: The market for townhomes and condos saw a sharper decline, with 1,085 closed sales—a 20.2% drop from last year’s 1,360.

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