I had considered BRRR-ing, but find that the mortgage after I pull the equity out will be too high to cash flow on.

Remember, once the foundation is fixed (and it never is), you have to fix the superstructure items that were thrown out of wack, starting with load-bearing walls.  

Clogged gutters slowly dripping could be the source, but you don't need to upgrade them to find out.

What will you do if the bank finds out and calls the loan due?

Feel free you reach out if you would like to connect. 

Cant find anyone in NJ to work with... might have to move to miami to work with you lol Lol man it’s lonely out here in Miami on BiggerPockets !!   

Instead of placing money in our account, for one pay out, they took money out of it.

Here is a link to the document:  https://www.chicago.gov/content/dam/city/depts/zlup/general/...If I were you, I would also reach out to a Chicago architect like @Samuel Pavlovcik or @Prashanth Mahakali. 

Reach out to a few and see who you like.You can also ask members of your local real estate investors association for real estate accountant recommendations.Good luck.

If you are investing out of area or out of state, how are you inspecting property, and all your due diligence out of area?