Probably would not do it as is right now, but it is close enough that I'd see if I could get the price down slightly more and maybe shave a few basis points of the rate to get the payment down a touch.

The borrower(s) may have initially purchased the property as one of the following:                  a natural person;an eligible inter vivos revocable trust, when the borrower is both the individual establishing the trust                           and the beneficiary of the trust;                        an eligible land trust when the borrower is the beneficiary of the land trust; oran LLC or partnership in which the borrower(s) have an individual or joint ownership                           of 100%.                       

Depending on what exactly the issue is, a roofer could add venting (maybe a few hundred dollars) or you might just get a spray foam insulation company insulate the attic (a few thousand).

This is relatively simple to do and takes advantage of a "deminimus rulling" by the IRS but is not as common and the biggest problem in your case is that you are needing to improve the properties is around 25% so that is a non-starter from the beginning unless you can shave the improvements needed.c.

I've only got another 5 years or so on the roof, so maybe do rigid foam insulation next time I re-roof?  

Instead of using Spray Foam like we do in most of our intown builds, we used a Radiant Barrier roof decking, which helps to keep the attic cool by making it more difficult for heat to pass through it, kinda like the film on most of the new Low-E windows.Pictures are also FANTASTIC for locating outlets and wires that sheetrockers ALWAYS occasionally seem to cover up!

The borrower(s) may have initially purchased the property as one of the following: an LLC or partnership in which the borrower(s) have an individual or jointownership of 100%.

I think most people, myself included, waste their 20's having a good time.There is Canadian content out there, it's just harder to find!

I would spray foam every joist space with closed cell foam.  

I see a lot more options to buy foam cornices vs vinyl.