@Erik E. that sounds like a great goal. 

That's accounting for repairing or completely replacing certain things i.e: new furnace, roof repair etc. on the front end

@Russell Pinkall Sounds good.

Account Closed  sounds good.

Does this sound like a reasonable valuation? 

@Ethan Johnson sounds awesome.

I have read n read lots of the post and find that yours are pretty much sound advice that not only the person asking can use, but others that read.

@Jeremy Geyer, your goals sound an awful lot like mine.  

It sounds like they did not install the wire lath properly and that may be the problem why it is cracking so much in which case it can be removed and redone by a qualified lather (paperback lath). 

Sounds good @Joel Odegaard.