Cut the losses.  

I'm guessing you've already looked at your expenses and cut all of the extras.

Evict for non-payment and cut your losses.

For the first time this year, the local government agency has cut off the water to all houses from either 7am to 5:30pm, or from 12:00pm to 5:30pm.   

We moved into a new construction house and have had multiple sewer smell issues but never consistently, one took a year to figure out...basement bathroom someone drilled a hole in the drywall (basement finished after moving In) behind toilet to run cold water line but hit the plumbing stack and cut a hole in it.

lolYes, you can cut your losses fast and then have a 0% ROI.

Just want to add that the Fed is planning to cut rates later in 2024, which should lower mortgage rates, so you might want to wait until fall for refi or HELOC.  

I bring up new paradigm here :it's because of too much expansion of money.What I mean by that is because we have lot of money increasing floating around with downpayment as little as 5-20% can already purchase a house with 30 year fixed debt, the number of potential purchasers are increased by a lot, while supply is diminishing, the amount of liquid hard money is increasing, and liquid money is always going to hard asset like residential.if you cut 30 year fixed program and gov no longer print money, the buying power would reduce.

That doesn't cut it for me.

That means the insurance company cuts you a check equal to your rent for any month the property is uninhabitable (e.g., fire, flood, hurricane).