@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?

So when you talk to your spouses, you add on the layer of wife/husband talk and it's all pretty much incomprehensible to third parties.

Fresh Shiny Paint.it was built in the 90's (no lead) but it seems to have a LOT of paint layers, much more than it should.How much paint is too much, and if it's too much what's the remedy for it?

I'd like to move the homeowners insurance to a landlord policy with the other properties and then purchase an umbrella policy as an added layer for liability (none of the properties are currently in a LLC).

Last I heard private business can refuse entry if you do not have a mask or a vaccine, even if you have a disability that prevents you from doing so.