Unless there is an emergency situation, take a lot of photos and call your insurance agent before doing any repairs.

I contacted the hoa about fixing roof asap and also other owners nothing been done yet till today they keep giving fake promises. anyway, the tenant seems wanting to take advantage of the situation she called me once qnd said both her son and grandson slip and felt and she called ambulance and they are ok.

Hard money loan How did you add value to the deal?

Yes I know about the VA loan (no down payment) and VA disability payments, more on that later.  

This left the remaining roommate in a difficult situation, and he is now trying to find a new roommate.I have informed both tenants that they are equally bound to the 12-month lease agreement and that rent must be paid in full, regardless of one tenant moving out.

I feel like my agent really downplayed the situation.

Business loans typically won't let you purchase a property if you read the fine print.

Another way to say is that what is the value of the property (today) compared to what is owed on the loan?

I think you would be wise to sell and use the VA loan for your new home. 

In this type of situation, they want low interest rate with low down payment also.