I'd also use that tub/tile caulk to reseal that tile surround against the tub.

Guaranteed the odor blocking primer will take care of it and you can lay a nice (new) laminate over the top that is guaranteed to look right and be done quickly.

It lays out what you need to meet to avoid the corporate veil being pierced.

Marble countertops, fireplace, jacuzzi, tile floors, etc. 

I also have it installed upstairs on wood subfloor and haven't had major problems but I am transitioning it to tile as the tenants move out.

If you are having an insurance inspection done, they'll most likely just walk the outside of the property so clean up any obvious things like trip hazards, broken roof shingles/tiles etc.

Am I here already or have I made a mistake in my numbers assuming everything I layed out here is correct.

In CA we were doing a lot of tile and quartz, where most submarkets in DFW are still hardwood floors and less contemporary.  

The benefit of LVP is that you lay it one time and it never needs to be refinished.

For example, you find a space with good floors (LVP, tile, pretty good carpet - can be cleaned), but needs a paint job and some granite/new counters.