Mostly medical debt and delinquent utilities during the rough patch, They received a huge settlement just recently.

You could hit a rough patch and end up with -9%.

It's still functional, but the claw marks are deep and right at the recessed panel edges so sanding - patching - repainting is not going to work. 

.- Monthly Rental Coupons - Similar to the mortgage company- Normal Wear and Tear Guide- Rental Rules- Minimum Charges for Services and Turnover Costs - ie Replace Carpet per room, broken mirrors, drywall patch, etc.Do you think it's too much or too little?

There just always seems to be a lack of communication and whatever fixes seem like patch jobs.

We patch all holes when we can and have terminix spray the unit each time but these are just REACTIVE measures. 

Digging them up and replacing them entirely is the only way to overcome that.What you are asking for is the equivalent of telling your roofer that the roof hasn't leaked for 60 years, so why can't he just tar patch it!  

, the results were not favorable and the system recommended a decline based on low income and 4 accounts under collectionI then contacted the applicant and told her that we had declined her application for these very reasons, to which she responded that her income was over $100k/yr, enough to qualify, and that she had fallen into a rough patch and financial challenges in the 3 years leading up to her husband's passing due to pancreatic cancer. 

If they do it anyway they will be charged $100 for each mount.After several tenants move in and out, you'll end up with holes everywhere that you'll have to patch....and a stud that is useless for any future mounts.  

It sounds like your situation is easy to remedy with vinyl cement patch and waterproofing paint.I am not sure courts would consider water in the basement a habitability issue.