I don't have anything on the purchasing or financing side, but as far as the electric goes, I have heard of people running everything in wiremold (aka "outside run", "surface run", or "baseboard run"). If you don't mind the look of it, it would at least keep you from tearing up a bunch of finished walls. It's the same stuff you often see used in commercial buildings to add outlets or fire alarms or whatever after the fact, especially over cinderblock.
Is it already plumbed? Figuring out where the stacks go can be tough on a retrofit, unless you have one wall you can convert into a double for all the stacks and water runs, or at least a spot to build out a box for them to run in. And if you are tearing apart walls for plumbing, then running electric is easy.
Did a nearly full gut when we reconfigured our kitchen, 3 walls plus ceiling, as we were also replacing all the plumbing in the house (old thin copper to pex) and several other things got upgraded while open (tub drain, spray foam under a shower stall to keep the floor pan from flexing then leaking). It sure made moving outlets, switches, and lights around a lot easier.