They are not expensive, but could save you a tons of money if you start having moisture issues.

I am sure to be as wise and the serpent and gentle as the dove in talking with the appraiser and don't treat them like they are an idiot and I know it all. 

You have bank economists, politicians, and, of course, the media, talking about "the new normal" and any correction being a gentle "soft landing".... sound familiar?

Home had OSB that was sagging and moisture had accumulated in several areas. 

That usually isn't a problem but it can be if the area has moisture.

I've had more than one conversation with each dog-owning tenant, gently reminding them of the "pet waste" agreement, and saying that I basically don't want to see, smell, or step in dog poop anywhere on the property, pointing out that it's a health-and-safety issue, not just about pleasing me.Still, I see dog poop when I'm visiting the property--and I don't go looking for it.

I called a contractor & he mentioned that putting laminate over a concrete (moisture issues, ground floor)) would not be cost effective for a rental property.

For one house with a major moisture problem, I installed a 10-in.

So we had both slab and pier and beam in soil with high clay content and pretty extreme seasonal moisture and heat variation.

Use a primer for any type of self stick to lock the dirt in place(Glue doesn't stick to dust and never EVER mop the subfloor as it puts moisture back into the wood/concrete that might take days to wick out )Good Luck