Why not the thicker floating vinyl?

While using a glue with a floating floor will help with separation issues in variable temperature.

@John Morgan you could also paint with odor blocking primer and float laminate over it.

Floating vinyl is cheap and easy to install, but unless you get a better brand you are likely going to be replacing it in 5 or 6 years due to seems coming apart with the cheaper interlocking tabs breaking under stress.

My question is, how are investors floating their wrap payment after selling off a partial note?

Do not allow deadlines to float... the minute someone is late, start with the legal requirements even if you like them and believe it's a temporary issue. 

Easier to make the sacrifice now and ‘share’ space rather than have a SFH and go the other way (imo)  This unit we’re currently in will pay a huge portion of our next mortgage while the other two float this property’s mortgage and expenses (not true for every house / we’re in a great area and bought preCOVID). 

I could keep in a Money Market at 2.x% return OR, what if I kept the $40K sitting in the additional equity of the property that I could tap into the line of credit in the event it was needed.The quick math:A rental property @ 8% cap rate - 6.190% floating LOC rate = 1.8% interest rate arbitrage on the extra $40k sitting in equity.

if the new tenant negotiates some free rent or free months to build out the space in my mind you shouldn't need to float that holding cost while that buildout happens.  2) you can do what most other LL's do in the commercial world and negotiate a Buyout. 

Generally, the rate might be higher on DSCR Multifamily but counteracted with a superior 30-year fixed rate (fully amortizing or even IO for 10 years) which can actually have a bigger effect on monthly payment and takes away any balloon or floating rate risk.https://www.biggerpockets.com/blog/multifamily-dscr-loans