But there is nothing like the eyes of someone that has installed a water heater, replaced a breaker box or laid a floor to really get to the bottom of the true issue on a home fast. 

Here in TX the soil is mostly clay, and it shrinks and expands with humidity level (thus the need to "water the foundations" as a measure to avoid foundation cracking), so foundation problems are a common occurrence.

and two of others (furnaces, water heaters, appliances, etc.?) 

Electric stove, dryers, water heaters, and high-efficiency Mitsubishi heat pumps.

Curious if anyone has tried the smaller 20 gallon water heaters? 

Yes, as an accountant, I do know that 50 minutes is less than an hour, thank you. 10 minutes for a stiff drink in between.10.

It has separate gas, electric, two hot water heaters, etc. 

But eventually you take the leap… you decide to go for it and you tread water until you can swim to the next level of your future.For me, I was about 20 attending a photography seminar as a store employee and the day I heard that phrase it hit me… I’m going nowhere being the employee.  

The roof begun leaking this week and has caused water damage to the ceiling of my unit and I notified the HOA of my issue on Monday.

I don't walk on water, so let me preface and I am not doing this to brag but just state a point.