You have to do what makes you sleep well at night.

If the goal is to save the princess, would you set off on your journey wearing flip flops and a t-shirt and plié straight through to the dragons lair and knock on the door or would you let Princess Kashmir sleep a little longer while you saved up for some armour and a sword?

Old age is expensive and you need to insure your investments are more than sufficient to take you to the end.

It lets guests know that they are sleeping on a nice new mattress and gets you and your clients super cheap beds. 

Using laminate (medium or high density) in kitchens, washrooms and laundry areas is always a risky undertaking.If the liquid is mopped-up promptly and you apply a dehumidifier and/or heat and ventilation you may be able to dry the laminate sufficiently that is does not cup or buckle.    

Make sure to have a plan of how you're going to weather the potential storm and you'll sleep better and not be in trouble during hard times.

One is usually sufficient. (-;  I can't speak for others, but a good securities attorney will help you figure out the cheapest and most practical way to do your deal and then offer you services that meet your needs, versus trying to jack the services to the highest fee, regardless of what the client needs.

If they have sufficient cash to then cover the prior liens, they can utilize their right to redeem and take possession and title.In some cases, they don't have to pay out the other liens - they just take the title Subject To the mortgages already in place. 

The appreciation of those properties have grown however I'm unsure on what would be a sufficient amount and how often.

Jobs are disappearing and self-sufficiency is a must.