Be prepared that they will be promoting an optional mentorship program at the end.

Creative financing options like seller financing or assuming a low-interest FHA loan can also help you secure better terms.

But it would be nice to have an option to uncheck that box this time around since they're already in place.

Looking forward to reviewing these options.

Talk to the seller, but options are to cancel the sale (and risk losing your deposit), renegotiate to lower the price to allow you to fix the problems or ask them to fix it. 

@Roger CreekmoreMini splits sound like the best option from the cheap seats. 

Rates may still be high, but sometimes they’re more flexible with repayment options than a mortgage refi.Family Loan Structure: Since you have an existing interest-free loan from family, you could talk to them about restructuring or even adding onto it, if they’re open to it.

My goal is reviewing retirement options. 

Some of my costs above are optional but not all.

I would check and see how many 1 bed and 2 bed options there are and what they are priced at because most folks will prefer the full place to themselves so rooming 2 people together could make getting bookings a bit more difficult (not always the case but something to consider)