If you are already in an apt then the need for an office space is minimal. But if getting an office space will improve productivity then when you get the $80k. In NC we have an 1100 sq ft office space to work closer together and pay $750 a month. It has increased our productivity by 5x. If the business is going to fail based on a $750 monthly expense then it's time to rethink the model IMHO. For us it went from building a SaaS in 6 months down to 2 months. Your mileage may vary.