Would be a one time job, we are looking for someone to rebuild a deck that collapsed in the snow over the winter.

The bank isn't going to loan money on a house that is going to collapse, have structural/mechanical issues, or just not a good investment in general.  

I have seen roofs collapse from too much weight.

I think you’re safe using 2007-9 as the biggest collapse you’ll see during your lifetime.

Most repairs aren't over 5k, with the exception of a main sewer line collapse.

If the pipe isn’t collapsed or seriously impacted, this solution can easily last 10+ years.

., landlord knew the stairs were unsafe but did not remedy, and they collapsed). 

https://www.americanbanker.com/articles/shadow-bank-weaknesses-forced-feds-market-rescue-quarles-sayshttps://www.forbes.com/sites/walterloeb/2020/07/06/9274-stores-are-closing-in-2020--its-the-pandemic-and-high-debt--more-will-close/#67303d6d729fhttps://www.theatlantic.com/magazine/archive/2020/07/coronavirus-banks-collapse/612247/https://www.greenwichtime.com/business/article/A-new-credit-bubble-gets-ready-to-burst-13911193.phphttps://www.zerohedge.com/economics/real-unemployment-rate-21-and-heading-higherhttps://www.weforum.org/agenda/2020/06/now-is-the-time-for-a-great-reset/https://www.zerohedge.com/news/2018-11-22/did-imf-reveal-cryptocurrency-new-world-order-end-gamehttps://www.imf.org/external/pubs/ft/fandd/2018/06/pdf/fd0618.pdfhttps://www.zerohedge.com/crypto/bank-england-governor-signals-central-bank-digital-currency-coming

They were covered in tarps, porches collapsing, etc. 

For example Detroit suffered from the collapse of the auto industry and Orlando is being hurt currently because it relies on tourism (e.g. theme parks).