Who is responsible for the water bill according to NC Landlord Tenant laws.

If he's been there 15 years, he probably thinks of it as his home and that he can do what he wants.Look up your local laws-my guess is it will say send a letter by certified mail. 

Are you running into any issues with getting a conventional 30 year mortgage for an investment property?

Does anyone think that by going the route of using insurance for the new roof will cause a long term scaling issue?

That is illegal and may actually be criminal under state and federal law.

I am not up on all the issues, maybe your Solo 401k provider or Henry or someone else here can comment. 

The main issue is getting the appraiser to consider your comps over theirs.

By Federal law your lenders can't move towards foreclosure until your payments are 120 days behind.

But be sure you wont run into any issues with backsplashThe kitchen overall doesnt look that bad. 

Key determinants include the percentage of owner-occupied units, contribution percentage for the HOA budget towards reserves, and a clean record without litigation, delinquencies, or major issues.