Most banks cost of funds are generally short term in nature (checking accounts, savings, cds, etc) and therefore the don't want to match long term assets with short term liabilities.

The path you take depends on your financial circumstances and your natural strengths.

I know it's not cut and dry, and definitely depends on the nature of the problems.I would think a water line break or sewage backup would warrant an immediate response?

The plumbing was certified with a pressure test.

Possible main drain pipe replacement and new natural gas heater needed. 

One-on-one consultation with a certified credit consultant that is licensed your own 24 seven online portal access for your account Unlimited number of disputes, we do not charge more Cease-and-desist letters to collection agencies when necessary Goodwill letters to creditors Debt validation letters to creditors Six months of free classes on credit and financial management Credit and financial issue articles that can help you build a strong credit rating Credit tips and tools newsletter And much much more 

If you have not covered up the subfloor yet, stop in to your local pet store and look for "Natures Miracle" it is an enzyme to eliminate the urine.  

This would of course require 3 base things:  1) efficient utilities- a natural gas hookup in this case, 2) a well insulated house (sometimes challenging in the multi units in New England), and 3) implementation of a landlord thermostat to control the heat and regulate it to a range 65- 71. 

Underwriting for a living, naturally the idea of investing in real estate appeals to me.

1) there are so many built in transaction management systems online and for the high performing agent hiring a TC is becoming 2nd nature (most offices mandate and most escrows now include them for free in transactions) Dropbox and cloud drives seem to do the job for disclosures and Zip forms seems to create an online heaven for digital document signing and storage.