I completed The Lost and Damned and I STILL have to sleep in this crappy safehouse.
Here is a comprehensive checklist of everything that's needed in order to obtain 100% game completion. You can complete the checklist online or use the printable PDF version:
Story Missions - 65%
Complete all the main storyline missions (Note: missions don't necessarily arrive in this order).
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Bike Races - 3.34%
Random Characters - 4.75%
(Map)(Map)
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Activities - 5.25%
Dirty Laundry - 5%
Call Tom Stubbs to access these jobs.
Bike Thefts - 5%
Call Angus to do the Bike Theft jobs.
Friends - 5%
Complete all activities with Terry or Clay.
Gang Wars - 3.33%
Complete 25 gang wars.