Estimated renno/appliance costs: 2x bedrooms LVP: $2.5K ($5/ft2 installed guestimate over 2br @ ~200ft2 each + $500 in noise treatment) 2x bedroom low-profile ceiling fans w/lights : $800 ($250 labor + 150 fan 2x based on extra effort to locate mounting boxes, assuming they exist)1x new shower/tub prefab insert: $3.5K installed (guesstimate) 1x new toilet $400 ($250 standard 1-piece + $150 labor)2x shower-head upgrades: $100100% repaint : $5.2K (1600ft2 x $3.23 ft/2) may opt to do myself100A breaker panel complete replacement & upgrade to 4-prong 220V dryer connection on other side of wall: $2k (guestimate, original panel is still present and 100% not staying)Non-ancient washing machine: $750LED light upgrades/replacements: $100Kitchen cabinet touch-up + hardware + adjustments: $500 (guesstimate)Outdoor storage room rehab (mold remediation, drywall gut + replace, leak repairs): $3K (total guess, it's like a 6x8 Outdoor patio concrete pad & rail cleaning: $50 Microwave: free =) Lock replacements: $350 (schlagre encode + basic patio lock change) Keurig Coffee Maker: $150Kitchen pots, pans, bakeware, utensils, cups, plates: $300 + donating my spare setsMisc electrical work: $500 (replace light fixture, fix outlet(s), re-wire light switch)RENNOVATION TOTAL: $22.2K or $27.5K with contingencyFurniture, linens, supplies: 2x queen bedframe & box springs: $5002x queen mattress: $800 2x XL twin bedframe & box springs: $5502x XL twin mattress: $5506x nightstands: $7502 full size, 2 half size dressers: $500Mattress covers: $1006 queen pillows, 4x XL twin pillows (1 spare 'set' for each mattress): $180Bed sheets x 4 each mattress: $300Bathroom linens: $200 (16 wash cloth, 8 hand towel, 8 regular towel, 8 washable floor mat) Metal outdoor patio furniture: $2003-piece couch set: $70050"+ TV w/ install: $600Kitchen table + 4 chairs: $400Misc crap (soap dispensers, wifi router, wifi thermostat, cleaning supplies, doormats, artwork, mirrors, lamps, air freshers, air filters, TP, etc.): $1000  FURNITURE TOTAL: $7,280 or $10K with contingencyOther thoughts:Kitchen cabinets have already been painted/hardware upgraded poorly.

The seller will accept it and during escrow when your lender dispenses the money to escrow of $106,000, escrow will give the seller 100,000 and use the 6,000 towards your closing.  

@Brian Gibbons thanks it has been quite a learning experience and it has been a very rewarding experience .I am grateful for all the knowledge you dispense so freely Thank you 

Hard money, contractors, title company, realtors, etc. are all dispensable roles that can easily be replaced by someone else.

But he basically used a spray foam dispenser to areas which had largergaps and used a special sealant to seal it.

Ultimately the final dispensation of this would be either your wife who inherits the property keeps it and continues to pay the loan.

Refrigerator, new hardware, Elkay stainless sink and Kohler pullout faucet and soap dispenser for @$1200.This was before the slide out spice rack with matching counter top was between the refrigerator and stove.

The facility will feature new restroom fixtures including sinks, toilets, partitions, dispensers, and wall tile.

I supply shampoo and lotions from dispensers and i buy in bulk. 

For refer ice-makers/water dispensers, do NOT use plastic lines, they deteriorate with age...soft copper is the long term way to go, and be sure you add a three way stop valve when you connect to supply line near your sink faucet, or have a separate stop valve if connecting to a main line.