Thanks for the responses,Aaron, will definitely check out the math.Jaron, no I personally haven't visited the property but hired an inspector. 

Your income is so low it appears as though you are simply avoiding the responsibilities of working for a living. 

The delay in reporting the incident to both me and authorities pretty much destroyed any chance of finding the person responsible.

Report the dogs and the property to your local building inspector and animal control officer.They should be responsible for the fence not you.

Tag me if you have any specific questions but here's some quick bullet points on the program:Other Important Items to Know about “Conventional” Renovation LoansMaximum – Minimum Purchase/Upgrade Amounts:Minimum: $5,000 (below this on an exception basis only)Maximum: Limited to 50% of the “after improved” valueOccupancy: Primary, Second Homes, Investment PropertiesRenovation Term: The renovation term for this program is a maximum of 180 days.The Borrower(s) is responsible for the work being completed within the escrow period.

Thanks for the responses.

Very friendly, responsive and has extensive market knowledge in the DFW. 

We also take on the responsibility of doing maintenance, and caring for public areas.

Explain it just like you did to us and then wait to see if they intend to charge you for these items or if they accept your explanation.You should be responsible for the bulb but not the time it took them to figure it out.

The same common sense rules apply to most things on your credit report - maxed out revolving credit cards and late payments hurt your score, while responsible use of debt and on time payments increase your score.