@_Annika_
MarianT is correct. If you go with the townie option, you set the funds to 4k first, then you can sell their furniture if you want to.
Unfurnished means the way the game means it. If you start with CAS and choose house, you pick the unfurnished option. After you load in game, you set the funds to 4k, don't need to sell everything before setting funds.
Rikki8528 is correct. You can look at the decadynasty list for eligible couples.