we get an email from one of our vendors saying she changed bank accounts send the next draw to this new account.. we call her and no new account and it turned out her computer was hacked and they were monitoring our e mails.. when she requested a draw they sent the phony e mail.. 

My worry is that a roommate dispute may hurt my chances of borrowing money from banks.

If you get a Heloc, the bank will file a mortgage to protect their interest.

The banks see this as a safety in some way and a track record of reliable income .

We bank and have insurance with USAA.

The general idea is the bank will loan you extra money to cover the cost of repairs,  this is typically only done with commercial loans and they usually escrow the money and release it to you as you complete the repairsBy way of example say you buy a 500K house that need 100K in repairs. 

My price range is 0 to 55,000 which i will most likely use traditional bank financing.

Reps from the bank recently stopped by and said that because of the default on payments it would be going into foreclosure, but I know this process can be a lengthy one.

Getting mortgages with local US banks as a foreign investor4.

If we can't make the numbers work for the bank my parents have agreed to guarantee a mortgage/HELOC, etc.