1- In the first sentence, the person doesn't have the money. In the second, they may not have it now, but they thin k they may get it.
2- 'isolated' may carry a slightly negative connotation- if you wanted to be in a city, you'd be more likely to use the first. If you love your privacy, then 'secluded' sounds good.
3- Familiarity- say the first to a friend and the second to someone you know less well or don't have a close social relationship with.