I found the culprit. A minor leak coming from a Muslim tweaker previous patch job. My plumber friends will be out on Monday to jack out the hole, fix the leak, then I can fill with mud, add a 4' x 4' patch of particle board, then nail down, then relay the vinyl, then baseboards. Good as new, maybe $500. Then ready for the kitchen remodeling on the 8th. F it, I should sell this money pit, and rent a one bedroom apartment.