Replacing the 1950's R5 paper-backed rock wool insulation in the walls with R24 worth of closed-cell spray foam; adding 6" of blown cellulose to the attic (to bring it to R50); installing an R10 subfloor over the slab; and installing a ductless split heat pump cost us ~8K.

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.

On the inside to get the most out of the small space I would use rigid foam boards for insulation.

If you had carpet there it looks like the door would not even open.If you do not know how to adjust the front entry doors or shave off some of the bottom and apply weatherstripping a handyman can sometimes do it for a decent price.

The problem is they drywalled the entire area but stupidly never insulated the ceiling and walls.The drywall is in great shape so I would hate  to rip it out and have to redo it only to put fiberglass insulation in.I could try to take it down but salvage the existing drywall and attempt to reinstall it but even if I could locate and take out all of the screws its probably more effort than it's worth.The other option I have is slow rising spray foam.  

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:                  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%.                       

But if you take the trim back down, you'll see daylight coming through because no one seems to bother to use expanding foam in the frames.

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

Six of the apartment were renovated with spray-foam.