Arrrgh not good news.  

@Andrew Postell has a great article he wrote on how to cash-out-refinance. 

@Bill McCaslin I got some bad news for you , every neighborhood can have drug dealers , home invasions , other crime .

Can you all recommend books, articles, or webinars? 

Maybe call and call and call until you get someone to help you.I assume you are being serviced out of the South Bend Office.Here's a background on what's going on: https://www.southbendtribune.com/news/local/south-bend-housing-authority-fired-director-after-fbi-noted-serious/article_b5544e4b-9d4f-5c86-9108-245e26a43cf8.htmlGood Luck!

https://www.wbjournal.com/article/work-to-start-on-31-unit-chandler-st-development?

Also Alexander Felice wrote an article about the Delayed Financing Program in which you can refinance sooner as well. https://www.biggerpockets.com/blog/work-with-lenders-brrrr-method

From what I can gather from various forums and reading the articles of law, painting, changing carpets and other such cosmetic maintenance are NOT the responsibility of the landlord, even after 10 years.

@Larry Turner I stumbled into this article not too long ago.

I'm new here to the forums and I've been reading a lot of different posts and articles around the VA Home Loan benefit.