I know what when I turn a faucet on in the garage/effeciency no water comes out.

How do we stay out of hot water with the lender while remaining in our single-family house? 

My capex budget includes roof 25 year life span, floors 10 year life span, appliances and hot water heater 12 year life span, hvac 20 year life span, bath and kitchen remodel 20 year life span, etc.

@Shane Cummings the roof is less Then a year old the windows are up to date and it has a new hot water heater

The first moderate rain that fell in early 2019 resulted in my Mother’s creeks overflowing and her yard began to fill with water around her house.

My roof was destroyed and my house was leaking water.

Means you cannot replace roof, appliances,hot water heater, hvac, bath or kitchen remodel when necessary.

For example, often fire damage is water damage--they put the red stuff out with wet stuff.

We had an inspection done and it looks to be in great condition, with exception of the water heater and AC unit extending past their useful life (which will be negotiated). 

It's a cold pool of water.