Subway line is gonna go that way.

I have been a Subway franchisee for almost 24 years. 

Allure flooring, "premium" vs. regular carpet, marble vs. subway tile backsplash, etc.

So many families at least out our way make well north of 20k a month you still have 15k a month to live on before tax's of course.. but if I lived in a low end low value market were U can buy rentals for the price of cars .. then of course you want to reinvest in your business until it cash flowing enough to buy what ever it is you want to buy.same if I wanted to run subway sandwich shops buy about 3 or 4 of those and pay them off in 7 years and your set for life.. 

We currently self manage and send out cards with gift cards ($15 Subway this year) in our name.  

This will allow you to zip into downtown via the subway.

You could buy say a Dollar General or Pizza Hut, Title Max, Subway,etc. for 1 million and under with 30% down.

For a complete gut it ended up being @ 4,500.If you replace the tile I would maybe go with a simple white subway around the tub and take down the tile on the walls.

Things to consider are tile size (timeless 8x8, 12x12, 16x16, subway, vs trendy 6x24, large plank tiles, etc.) textures (trendy fabric look) and colors.  

Agree with looking cheap, if your heart isn't set on the mosaics you could do a standard subway tile....such a classic look and always in style and doesn't break the bank either....