Now the issue is flooring, the kitchen and living room are open so would like to keep the same flooring for both, the flooring is not perfectly level so might need to replace some plywood underneath.

Hello,If you have tenant in a condo who lives in you upstairs unit and is part of hoa and the unit underneath is a owner whose complaining about all the tenants upstairs walking in the morning that makes noise from them walking go to work which wake the downstairs owner up.

When water lines are going with the direction of the street, are they buried underneath the street or directly to the side of it?

Older buildings have lots of skeletons and aches underneath, not visible on the outside.

There was a lot of potential hidden underneath 30 years of built up stuff in the home in a decent neighborhood.

. - General knowledge of soil conditions.

My problem is that the townhome sits over a lake, and even though I got the insulation updated when I got new floors, apparently it wasn't good enough as the moisture underneath the home has damaged the subfloor.

As long as you're not going through the outer layers AND the brown paper layer underneath to the point where you see white gypsum, you're more or less OK, but you have to make wise judgments.

Take a look at the flooring underneath to be sure it hasn't rotted it out. 

Waiting on cost. 4) If I use traditional financing, I would need flood insurance which would add ~$5,000/yr. to my costs. 5) If I were to replace the portable units with a traditional drive up, I'm ball parking a cost of ~$120,000 from soils test to install.