The floor joist were actually sitting in the dirt and moisture and termites had eaten them up.

Seth-As a courtesy to your borrower, you might consider gently telling him that 100% occupancy is actually a problem.

The inspector could not identify where it originated, yet had higher moisture content than normal (23 - single digits to low teens is "normal"), and the roofer I had go out later said the roof needed replacing and cited an area in his inspection that looks to be sagging in the shingles/wood of an area. 

For example, I've seen some reports with IR pictures that show moisture levels.

That emotional issue is the one that you need to bring to the surface so that both of you can share it, face it, and talk about it.The only way forward is through gentle conversation and active listening on your part to talk in depth with her about her past money/security experiences and perceptions.

Do what you can to mitigate tenant exposure to mold and moisture in your properties.

As the humidity is getting higher outside I have noticed the spots all sweat (moisture seems to condense on them.

.- Repair: The loose siding at the front porch roof line should be re-secured to avoid wind-damage and varmint/pest entry and moisture intrusion...

The leak was verified visually, or a moisture meter read above the recommended dry range of 14%.

You need to get rid of the drywall since it's porous and holds in a lot of moisture.