Have looked into other possible methods, Radiant Barriers and Spray Foam.  

My credit score is in the high 700's.  Having

However, a lender will still want to make sure the sponsor(s) have adequate experience and financial support even though there is no personal guarantee.The primary difference in a recourse and non-recourse loan will be the amount of initial equity required and the stability of historical cash flows.

If you encourage your kids to take AP classes in high school they can shave off a couple of academic periods or even a year off a college education. 

The roof is in bad shape (1980s age) and is currently a spray foam and membrane type roof.  

He can then go around the house with the remaining foam-like sealant and seal up all the holes.

Foam boards or closed cell spray foam are all we use.

I need someone like you with boots on the ground.I am also looking for an intern in math computer science and engineering... someone super smart, to connect spray foam pumps to the cloud in Norwalk CT... is the internship...Hence if you know anyone let me know.  

I did a major overhaul of our budget when I decided to cut my hours to dedicate more time to our business, and I do review it every month to see if there is anywhere else I can shave off a few bucks.

Also you need to tear out the drywall on the garage ceiling and get some foam sprayed in there.