Need theme suggestions please!

Hello, I need help choosing a theme for my next project. Here is what will need to be done & details on this daily mortgage rates WordPress website:

1. Daily mortgage updates on home page (need something easily edited/updated and that sticks out on homepage, this is the whole sites point) Needs to be simple so non web developers will be taught how to update this everyday. This is the toughest thing I face, dont know where to turn.

2. Optional subscriber login & payment with credit cards

3. Need to capture emails.

4. Needs to be smooth, simple, not cluttered. The MAIN point is the daily mortgage update and if you want to know which bank provides this mortgage, click here type of deal.

5. Ad space

I know many plugins will be used but I just need as much feedback as possible before deciding on theme. What do you suggest and why? Thanks so much guys and gals.