It would have to be quite a stress to crack a double or triple glazed modern window.Another possibility {though unlikely} is the sash has warped/pulled away from the glazing and water entered between the two ... that water has since frozen and the pressure has cracked the glazing.I'm sure it's not been as cold in Philly as we regularly experience (today is the first day warmer than 0F in a month) and the cold never makes the glass crack here ... especially in a modern thermo-pane.

You may not have much for cashflow left, but you will have the loan paid down, and you wont have a strained relationship with your family.      

The sellers recently replaced all the windows with dual pane vinyl units.

It looks to me like there is a panel placed over the original brick and then this finish done on the panel. I

On a cape we did the large front windows were the old single pane double hung.We had a company here just make two pieces of glass sealed for insulation for each opening.The glass was also tinted.Then we framed the glass inserts in with jamb extensions etc. it looked great & saved us a lot on special order prices.Another one we replaced all the windows with those we could find at a contractors excess stock depot.

sorry you're hearing crickets on this one - i think the short answer here is that flippers dont often replace windows here ( double pane windows help with noise, and security, but dont usually do much for energy savings) buyers & tenants dont really care about windows, or if they do, they wont pay extra for new windows..

The good news is that the bathrooms were remodeled by the previous owner prior to us purchasing the house, there is a brand new HVAC system and new double pane windows were recently installed as well.

The owner has a relationship with the bank, albeit strained.

They need brown grids too tho, and all modern windows i've seen have the grids between the glass panes and can't be painted

If the property has old single pane windows then that should be replaced with energy efficient vinyl double pane windows yesterday.