I'd probably need a more specific question, just because you mentioned a lot of things in the post, and I wouldn't know where to start without having to write paragraphs and paragraphs.

Also, at the end of the day, if you have budget left over, make a draw and enjoy that tax free money. 

Do I have to complete the separation of units by January 1st to write off half of my closing costs/other expenses?

The reality is the opposite - if it's not in writing then the PMC doesn't have to provide the service or can charge extra for it!

@Mary JayIf you have not done so already, make sure you are putting all your responses in writing.

Abu, now nearly 90, still cannot read or write in any language but can sign her name.

Hope you enjoyed the beautiful day! 

Get a good General Contractor, write a proper contract with proper payment milestone schedule.If you don't think you can come up with the money to finish it get out from under it and talk to your HML ASAP like @Jay Hinrichs mentioned.Happy to connect and talk through the situation more if that would help!

In your next lease ensure that you have a one month penalty for breaking the lease and enforce it along with getting everything in writing when they give notice and you accept it. 

I would definitely enjoy talking to you and hearing your input.