Pretty thick wooded area in the back yard between the yard and the lake blocking the view of the lake. 

If the gravel is thick, it does a good job keeping the weeds away.

If it is in an older duplex the home wasn't made to have the bass and sound that our electronics put out today, they home may not have been designed to have anything other than thick carpet and thick padding.

We do thick vinyl plank flooring or hardwoods only. 

When you are in the thick of it, you question your life decisions. 

I will have to spend another $3,000 to redo work that he did terribly (framed a wall 7" thick, bathroom floor tile was loose after it was laid, drywall mudding was totally rough).

(You don't HAVE to climb the rate ladder, you can just pay a hefty amount in discount points like that person above was quoted)The spread between owner occ and investment has gone up, even as the 'base' rate for owner occupants has gone down.COVID is a "thin" stack v a "normal" or even "thick" stack.

Thanks everyone, I think the knowledge is getting through my thick skull.

It's pretty hard for something like cat urine to soak completely THROUGH a reasonably thick hardwood floor in decent shape.What can and does happen often however, is that the urine soaks INTO the top 1/16-1/8 inch of the wood.

Also check to ensure you're not using too thick of a filter.