I have heard others say tile flooring because it lasts forever, but I hardly ever hear anyone talk about cleaning and sealing grout as a routine expense.

If you're going the umbrella insurance route, make sure it will cover you for several things including just the routine slip and fall (like mold or earthquake).

If it not easy you should consider a career change.Lastly stop your daily routines. have lunch at different places, get gas at different gas stations, different stores, different everything.

Mix up your routine so you're not at the same place daily. 

New guy has kept up the “return to sender” routine but... apparently the rent was late cuz we got a shop-a-holic.

I routinely review tile installation products that are sent to me for free by Home Depot vendors.

Being newbies, we didn't realize that homes of a certain age most likely have clay pipes and would need a sewage line inspection added on to the routine home inspection. $8,000 later.... we will never forget this lesson. 

More directly the "I'm going to buy your house" routine, when the wholesaler barely has the earnest money of $200, and is going to string the owner out as long as they can while looking to flip the contract....then walking away at the end when they can't flip it, leaving an owner who thought their home was really sold and have been making plans to move on.  

Being from the Bay Area when I came to OREGON I got deals accepted simply because I did not know any better and would routinely put up 10 to 20k in EM...

Beyond that, most people are in their routine all the way to the 11th hour, and immediately the day after.