They were Christian, Andy, David, Osa (seen below) and Bryan (see below)

@Bryan C., I have accounted for expenses already in my cash flow models, since I have quite a bit of experience doing these for residential properties.

However if the problem is black iron or galvanized steel piping that has rusted through or a  copper line which has sprung a leak, it may be an harbinger of things to come {around here many systems were installed or repaired in the 1960s/70s using thin-walled copper pipe which, 50years later, has started to develop pinhole leaks}.

Hi Bryan,While I'm not the most qualified person to dispense any advice, I do own a number of apartment buildings, including a 12 unit, and I often wonder just like you where it's best to spend money to attract good residents.

@Bryan Hope, as long as you live in the property you buy you can use a traditional residential loan.  

Yes for the most part they told me 10-12K, and the Windows there is nothing wrong with the window there was some sort of rust on the corner of it since they never opened that window for 16 years.

Originally posted by @Bryan Hancock:Financing long-term assets with short-term money is the classical road to bankruptcy.  

To @Rob Belandand @Bryan Otteson's points though, if you do stay out of it, take no action, and it escalates to become criminal, are you at legal risk?  

Thank you for the recommendations @Bryan H.and @George P.

@Bryan Huntington Find a different lender.