Could you clarify whether you would consider both apartments and houses? “Reasonable transport access” may also produce very different suggestions depending on where you need to travel, so naming a regular destination or preferred part of Lima would help people narrow this down.
Honestly, PEN 78,750 feels uncomfortable against a PEN 4,238,000 purchase if it must cover every post-closing category. Cleverly labelled pots do not make the total larger. Unless your income can rebuild the buffer quickly, I would consider a lower price rather than rely on the inspection...