But the next two neighborhoods over have an HOA, are a bit nicer, and are a bit more, but their ceiling should be a decent amount higher.  

I have yet to see anyone beat Provident's rates so I use them as a "Rate Ceiling".  

The ceiling is probably 7' 8" and therefor neither legally living space nor NBA ready.

.$ 200.0013A - Paint cabinets w/ enamel, replace knobs/pulls, install granite tile or polished porcelain $1000, install lineolum under sink to protect floors and cabinet15) Install guard rail around the rear stoop and step$ 710.00 (Should be $250)14) Install missing downspouts $ 150.0015) Swap bedroom fixtures for new ceiling fans, replace light over vanity, light in kitchen and dining

For reference, my crawl space is already about 5ft deep, I would want to dig to have a normal ~ 8ft ceiling.

Exterior Gutters/Soffit/Fascia - Clean Gutters - Repair damaged columns on porch - Remove decorative wood work above columns - Remove Shutters Siding - Remove and replace damaged siding to match existing Exterior Paint - Prep all exterior areas for paint - Paint entire exterior (except brick), all siding, trim, and doors in 3 color paint scheme Interior Demo - Removal of damaged sheetrock and insulation - Removal of all light fixtures, fans - Removal of all tile in kitchen - Removal of existing countertops - Removal of sinks/countertops and faucets (from both sink and tub) in both bathrooms - Removal of existing toilets - Removal of tile surrounding both bathtubs - **Dumpster to be provided by homeowner Sheetrock - Patch sheetrock on walls and ceiling, including garage - Sheetrock over skylights - Remove all popcorn texture on ceiling - Texture to match walls and ceiling Paint - Prep and paint all walls and ceilings - Prep and paint all trim and doors Electrical - Install 4 recessed can lights with white trim in kitchen, cover fan block - Install 5 fans in living room, dining room, and 3 bedrooms (**fans provided by homeowner) - Install light fixtures in entry, hallway, bathrooms, closets (**provided by homeowner) Plumbing - Connect and install sink and bathtub faucets in each bathroom (4 total) - **Faucets to be provided by homeowner - Tile 2 bathtub surrounds, to include appropriate backing material - **Tile to be provided by homeowner Flooring - Install tile in kitchen and 2 bathrooms - Install laminate/vinyl wood plank flooring everywhere else - **Tile and laminate provided by homeowner Cabinetry/Countertops - Repair and Refinish existing kitchen and bath cabinets - Install new hardware provided by homeowner - Install 2 new white cultured marble sinks in bathroom - Install new laminate countertops in kitchen Air Conditioning -Inspect and perform maintenance on interior unit -Install new exterior unit (suggest size in estimate) Insulation -Install new batt insulation above kitchen where skylights were -Replace any exposed, water damaged insulation **All Labor and Materials to be provided by contractor, unless otherwise noted

Listing Brokers & representatives unable to access interior due to debris, failing flooring, ceilings, roof.

If you add glass to the window area,  you may want to consider tiling the ceiling too if you are not already. 

If you look closely, you'll see the red Christmas Lights nailed (not stapled - nails, bent over to hold the wire) to the ceiling. 

If you pull the insulation back you can see the ceiling and in places you can see the top plate of a wall below.