In my area you need to be well heeled to buy the bigger better stuff so it has been slow for me.My hat is off to you guys that actually live off your RE @Ben Leybovich.

.- Personal Articles:   Coverage for belongings that have a special or collectors value      such as Jewelery, Furs, Fine Arts, Collectibles, etc...Your age should not be a factor on the pricing but, depending on the company these other factors may get you credits:- Insurance Score (company pulls certain info out of your credit report)      It is not your credit score but generally better credit will result in a better score- Time at your job- Education level- time at current residenceIf you have questions on any of this info PM me. 

If that's the case you may get them to drop the value to avoid counter claims, in this case, with an attorney as the gatekeeper as Rick mentioned, your chance is slim and none I'd guess at attacking them.Every property that someone wants to sell is not necessarily a deal and you can't make them a deal by pulling rabbits of your hat.

If I continue to achieve dismal results, I will hang my direct mail hat up and try to buy from wholesalers. 

I was just trying to put my creative hat on to try to make something happen.The owner is an out of state landlord that seems to have given up on the property.

You can then strap furring strips over the insulation (attached through the insulation into the masonry) and hang drywall or resilient channel and then drywall from the furring.Polyisocyanurate foil faced rigid foam runs ~R6/inch, while closed cell spray foam runs R6 to R6.4 and provides a better air barrier.Alternatively, you could stand-up a 2x3 or 2x4 studwall in-front of the masonry wall (leave a 1/2" gap between the masonry wall and the studs and spray the stud cavities (and space behind the studs) with closed cell spray foam.  

They nailed 1x2 furring strips to the bottom of the joists, and then used long staples to attach the tiles to the furring strips. 

You already listed a dozen reasons why NOT to buy the property with its current condition but assuming that once you pull the trigger and buy it, you have to take off your accountant hat and then put on your contractor hat.

This isn't Nebraska.Feel free to prove me wrong, and I will be the first to tip my hat to you if you do. :)

I'm an old shoe, old hat kind of guy.