Once someone applies, stick to your criteria and update it the next time around.If you don't want bankruptcy, make it a pass/fail on your screening process before you advertise the next vacancy.

The Unilin 2g locking system is one of the most efficient ones on the market.I 100% agree the the subfloor/ underlayment/ substrate being attached to as well as how  it was attached to the builder floor(naturally we're not talking cement) is usually the problem in a failed installation. 

When the thing dies (which is not nearly as far in the future as you may think, LEDs have been getting cheaper and shorter in lifespan) you will have to replace the entire fixture.Light bulbs exist for a reason, there is no reason to replace a fixture because the lighting portion failed.

Tankless are a PITA.Tankless require descaling up to annually depending on water and if you fail to descale as needed the warranty is not enforceable.  

If the sealant fails moisture may form between the two panes of glass.

Nothing fails like success. - not sure who said that, but you're never more vulnerable to a dumb investment than directly after you hit a home run.

One was a CPA, great guy, credit was ruined with a partnership that failed.

(If all else fails, ReSure's got extensive resources on all these subjects in our educational platform)

What he fails to share is that he had a $300k/year salary before he got started. 

Taking on debt isn't off the table, I'm just really afraid of the risk since I'm not sure how it would impact my current mortgage, or what the worst case scenario would be if things failed.