The leak occurred during excessive rains. 

@Devin CreekSo the moderators judgement. 

With that being said, I prefer to buy vacant units so I don't have to terminate leases or drastically hike up rents upon purchasing a place, not to cast judgement on those who do so (a lease is a contract, once that's fulfilled you don't owe the tenants below market rent, nor should they expect that), but that is my personal preference.

After Toledo got about 5 inches of rain in a short period of time, my duplex started to have water come up from the drain in the basement floor, and out of the sewer drain in the basement.

I stumbled across an internet service called Logyourmessage that proports the emails sent through their service use date and time stamp logs for when or if the message is read or ignored and are as good as receipts for certified letters sent through the USPS if you need to go to court for eviction or for a judgement for arrears. 

I own properties in Massachusetts where there is a lot of rain and snow and basement leaking and moisture is one of the worst nightmares and dinosaurs that eat up cash for almost every property.

Unfortunately, most analysis that doesn’t come with professional judgement isn’t going to be very helpful.

Since the rest of the driveway is dirt and imbedded gravel the best is clearly a.There is no rain headed here until at least after October 11.

I had the property for 3 months, inspected and watched over heavy sustained rains, but only a few days ago I had water pooling near the spot in the basement. 

All your concerns about debt will not be of consequence with this type of loan provided you don't have outstanding judgements, tax liens (maybe your IRS situation, but mostly property taxes), or bankruptcies, foreclosures, short-sales, etc...