Then the brakes went out on her car.

A licensed general contractor or engineer should be consulted to evaluate the wood flooring structures as well as the crawl space ventilation in regards to the moisture and damage concerns.

I come from working with engineers, so I am used to it but I can absolutely see how others are turned off 100%. 

I would only consider it if rates on existing loans are high or you are in financial troubleAlso never leverage a home to pay for a car or pay a car off.

But there's no other cars outside so who could it be?

Was a licensed engineer involved to design to repairs?

Like when an Engine quits its Boeing.. but Boeing does not make Engines its Pratt and Whitney and GE and Rolls royce make  90% of Jet Engines !  

I have a BS in Electrical Engineering from the University of Arizona and spent 4 years in the military prior to that.

My wife and I have two reliable vehicles but I decided when they were paid off to start saving right away for the next one by making car payments to myself. 

You could have sent him to collections and this would destroy his credit, which could impact his ability to purchase a home, qualify for a car loan, and possibly even cost him his job.