no seriously by candle light, I haven't had the contractor come over and install the fusebox yet..."

Other than that, candles and stove heat are likely in your future.  

Missing shingles, messed up flashing, etc...It could also be a leaking (inside the wall) water pipe, or leaking drain pipe, failed toilet wax ring, or bathtub drain pipes leaking.You might want to budget for a scrape and paint  too.

@Jeff Brower @Michele Wax Thanks guys I appreciate it 

Hello @Michelle Wax. 

@Michele Wax Thanks I appreciate it.

@Michele Wax that would be great!

Could be a supply line, a drain line, or perhaps a wax ring on the toilet. 

@Michele Wax I do have a another SDIRA and I was told that that’s something I can not do with IRA but can borrow against the 401k to 50%.

@Michele Wax I’m not sure what my dad has done tax wise, he told me he would talk to his lawyer for advice.