I am an introvert, but have learned to wear an extrovert mask. 

.,) (4) separate your assets from your operations [operations contain the most liability,] (5) introduce layers of anonymity to hide your assets from prying eyes.I approach these issues from the mindset of being an investor myself, so it all has to come together in a way that is profitable.

You may need a mason now to put up a layer of cement over the dirt first.

There is a steep enough learning curve to the first property without layering the complexities of a multi on top of everything else.

 @Melinda Miller -- A radiant barrier can be a great part of a total assembly, but it doesn't take the place of insulation.Also, the height of the ceiling directly below the peak is not quite what the code is addressing.The code provision I've mentioned works like this:  Take the floor space you'd want to create in your attic -- maybe use  masking tape to mark the perimeter of the area. 

Regardless, moisture will make a mess of your hardwoods, so I'd suggest a vapor barrier in the crawl and another between your hardwoods and new flooring if you put down another layer.

The walls have layers of paint, carpet was dirty, and since the house is a little older the floor has settled and warped a bit.

I know home warranties are hit or miss but every layer of protection helps. 

The mortgage itself is protection as the bank owns most of the property.Insurance should be your second line of defense.You can get an umbrella policy for another layer of protection.

How effective was my layered list?