There may be excessive moisture coming from the slab or subfloor causing the laminate to warp or as Michael stated the installer may not have left enough room for expansion.  

After 18 yrs I deduced my exposure was less that 1% probability and ultimately threw the S-corp and LLC overboard as excessive cost to maintain.

I'm working as an Engineer with a decent salary, however I'm using my excess cash to pay down my existing debt incurred from my previous business.

Also I am checking to see if there is signs in the area of excess crime.  

Most rentals with higher perceived risk can be offset by requiring an excess security deposit and/or a third-party guarantor for the lease, and/or prepayment of rent. 

The plan is to house hack and rent to friends so they cover my mortgage while banking that excess cash flow to get started on another property after a year or two of living in the first property.

Even if there were some type of fee -that seems pretty excessive for what I think is supposed to be public information!    

Lifecos tend to have a pricing advantage for loans with fixed-rate terms in excess of 10 years, and can offer the ability for borrowers to lock in the interest rate at the time of application.

If I'm looking to rely on conventional bank loans, banks in Cayman consider any properties in excess of 2 units (triplex or higher) to be 'commercial' for the purposes of lending.

You are better off writing into your lease that if a leak starts to happen and they don't tell you then they are responsible for the cost of the excess damage/water.