They appear like they should be catching water from the gutter.

Close proximity to another source of plumbing - either side by side, or stacked one on top of the other - means easier access to existing water and drain/vent lines, which will almost always be advantageous for your project budget.  

The inspection revealed moisture issues in the basement, a fastener issue on the deck, and reverse polarity of some of the outlets.We are pending lead, mold, and chimney inspections.The HVAC, furnace, and water heater are functional but "beyond their lifespan."

This step must be done carefully to avoid further damage.Structural Repairs: Address any structural damage first, including the roof, walls, and foundation.Systems Repair: Repair or replace electrical, plumbing, and HVAC systems as needed.Interior Restoration: Once the structural and system repairs are complete, focus on restoring the interior, including insulation, drywall, flooring, and fixtures.Safety and Health Concerns:Air Quality: Ensure proper ventilation and air quality during and after the restoration process to remove smoke odors and contaminants.Mold Remediation: Check for and address any mold growth, which can be a common issue in fire-damaged properties due to water used in firefighting.Final Inspections:City Inspections: Coordinate with the city for final inspections to ensure that the property is safe and habitable.Fire Department Clearance: Obtain clearance from the Fire Department confirming that the property is safe to occupy.I hope this helps, best of luck!

Subdividing the lot would add an additional $20k in expense as I would need to tap city water/sewer to the new duplex (previously the detached garage apartment).

The weather is very hot and water is expensive down here in Texas.

Can you make the payments on the mortgages while renting, even though you are under water?

The tenants were out for 24 hours and came back found it and the water had already flooded out to the floor and the ceiling of 1st floor.

I tried to help but don't want anyone to feel pressured, so I consider the matter closed.well U can lead a horse to water but cant make them drink.. keep in mind many of these folks were or are beginners .. so they may feel very intimidated to do anything but a post on BP.. and or are worried that somehow they will get sued by this guy..

There are lots opportunities in easy bay township or downtown Condos (where str is allowed.) direct west of TC has lots str experience opportunities (water front/ farm house , wineries), direct east close to Williamsburg has great opportunities even for long term summer rental to the horse show participant (June to Sep).