In one of my houses, the culprit was an area where the cement foundation slab had sort of separated from the cement wall.  

Dentist, no. 

There are major projects taking place that will cement the area into a great place to live with ease of access into Manhattan, which is where most want to be and need to get to.You can go FHA but sometimes the comps they use are lower than what's out there (which can hurt the sale).  

Xypex is one product that can be used its more of a cement parge coat system.

kitchen needs to be completely redone anyhow... so extra cost for the kitchen is to move the plumbing. building is actually a duplex on a slope... so in the back there is a deck... if I make entrance to the side, I need to build a deck, but most importantly I need to cut an opening... one challenge is that ALL walls a cement/cylinder blocks.... making all works harder...

Among the more incorrectly held beliefs about lending on this board, is that there is a difference between private and hard money lenders.When someone here suggests they are looking for a private money loan, another will often jump in and provide their definition that a private money loan is from someone you know, like your dentist or Uncle Louie, and a hard money loan is from someone who does it professionally.

I like to call these "dentist-investors":).

Create credit lines, line up cash partners (family, business associates, your plumber, dentist or doctor - let them know the benefits of investing with you).Repeat, repeat, repeat.I have a home on Amelia Island, just outside of Jacksonville, I acquired it about 8 years ago using a Tax Deferred Exchange.

The only thing I don't do is roofing except when the only thing that is needed is roof cement, HVAC, electrical sometimes, and painting sometimes.

The damaged blocks can be separated with a cement cutter and new blocks can be inserted and re grouted.