Hawk, if I understand your plan you want to finance carpet, fresh paint, fencing, appliances, school loans and a car into a 30 year mortgage! Of the items on the list, how many will be appraised to have any value after 5 years?
You should look into the FHA 203 loan program. It is designed for just this purpose with some constraints. But you absolutely do not want everything rolled into a 30 year mortgage.... more