Aloha Crafterga6,
Don't waste a penny on new mic's or gear until you treat your space.
DIY Room Treatment First!
There are hundreds of past DIY Room Treatment threads here in this forum that show you through video's, & detailed lists how to make portable 4"x2'x4' Owens-Corning 703 rigid fiberglass, broadband absorbers to treat your space relatively cheaply as needed.
You absolutely don't have to change your space permanently. I'm a life-long renter & have made what I needed to control the many wildly different types of spaces in which I've lived. You make "rooms-within-a-room" for tracking and/or vocals. Store the panels out of the way when not needed for recording. It's simple!
Do your Homework & Treat First, Crafter. You REALLY need that for using ANY mic(s) & to achieve control & consistency in your home recordings. Otherwise....it's a waste of time & money, IMO!
Meter your space for noise & reflections so you know where the problem spots are.
Three useful treatment links:
http://www.homebrewedmusic.com/2009/...-on-the-cheap/
http://www.homebrewedmusic.com/2011/...els/alohachris
http://ethanwiner.com/acoustics.html
In terms of mic's for your environment, even though condenser's are preferred for the studio, a live dynamic mic w/ hypercardioid capsule would keep most of the external noise out - close-miking only though. Sennheiser e-945, Neumann KMS-105, Audix OM-7, Heil PR-35, Electro-Voice ND-86, Shure KSM 9 or the venerable SM-57 represent the range of those types of mic's. The AKG C 535 condenser is also worth mentioning because it works well in noisy environments on vocals & instruments. I'd treat first so I could use better condenser mic's.
Laying 1/2" x 4'x8' sheets of Homasote Soundboard 440 in front of windows or internal noise sources can really help keep out the noise & cut down on room reflections. About $35/sheet from Acoustic Material Suppliers. I use that to make boxes to put around my computer fans & it works.
Of course, only record later night when external noise abates.
Good Luck!
alohachris