So most do not worry about capex, so they will either patch it up to keep going or go into debt?

High Credit card utilization is better than a abundance of missed payments or recent bankruptcies.

Maybe women as a whole arent interested in these jobs or flipping houses > On my jobs the the women work as designers for the hard surface company.. we have a few women I see working for the sheet rock company doing the fine detial mudding and patch work and well when I was in the logging business one of my loggers his sister ran the log loader and was very good swinging those logs on to the truck..

Do you think I would miss out on something?

If your doing a patch that uses cement for the finish compound then I would use a lightweight heavily sanded mix to do my patch.

Renters are all up to date and no missed or late rents.

Most realtors are too quick to try to gloss over various issues thinking that by making it seem like there are less problems the sale is more likely to occur faster, maybe that's true but it'll just anger a savvy buyer if things are missed.

My father in law a 7th grade drop out self made millionaire used to say "KISS" keep it simple stupid..... he died 3 years ago I sure miss him.  

Credit scores are based on a variety of things, mortgages being one.What will happen, if she misses a payment, is that will affect your credit.

So by waiting you are going to be missing out on several good deals and now up against 10-15 people all wanting the same house going to the highest bidder.