@Aaron Hall  here is an idea for your 50k  buy a great performing first trust deed.. that has a 5 year term or so.you can make EAISLY 8 to 10% return which is what your trying to do..sit on the side lines and let the market cool for a bit but still get your return.. don't go into debt and be a little diversified being the bank as well as owning the asset.. plus the NOte will be at 50 to 65% of todays current value so that gives you some great equity protection.. that's one way to look at the 50k dilemma.. reach for something the herd is dong or be the bank and settle back and just collect your mail box money why you wait for the next buying cycle.

If so, you will spend time herding cats unless you make your service compelling.

Tranquility XD is the brand from Lumber Liquidators 4mm Edgewater Oak Luxury Vinyl Plank (LVP) Flooring - 50 Year WarrantyThey talk about installing over Hydronic Radiant heating systems but nothing of concrete or wood subfloor.The web site does not have any information on the floor for underlayment specific.

@Rick Watt Congratulations on going to the herd!

I would only consider this if I was building new from scratch or wanted to do radiant heat flooring throughout the unit.  

Cheap labor to herd and manage.  

Just glad this isn't New York because form the horror stories I've herd this isn't so bad.....I hope...Many thanks !

So when people are Flocking to Texas right now ( herd mentality) and not putting future foundation issues into their long term cash flow performa's I think your correct that is wishful thinking at best.

I suppose my backup would be to use an alternative source of heating like others have mentioned, perhaps several oil-filled radiant heaters.

You can put fiberglass on top of cellulose.You may be better served with radiant barrier.