That included using Fire caulking or fire foam to seal off any air ways from the 1st floor to the second.   

Hey @Joe S. Have

Been in the spray foam business going on 8 years now and have a good amount of money in retirement accounts.

We've noticed 3/1's have had more success as that is what investors are looking for and hindering my chances at a sale.

But it may be uncomfortable because the foam is hard, and you start to feel that the longer you sit. 

When I look at the balances of $290K and $236K on my closing doc, I find that it is about 85 regular payments (7 years) shaved off the mortgage at an average of $825 interest per month (first payment in range $907 / last payment in range $743). 85 payments at an average of $825/month is $70K worth of interest savings in only two years.

Little things like this shaved hours, Evan days, off a project.

Which will make it 4bed 2 bath, and some 4 beds on the same street shave sold for 220k. 

You can use bat insulation or spray foam, which has the added benefit of giving you an air-tight seal and also keeps the bugs out. 

As for the Florida property, as other s have said, its a personal preference.