Minor repairs definitely do bite into the bottom line but it is a slightly positive cash flow.I just am tired of treading water - I am not building equity, I am still underwater when I look at comps in the area (I think the place is conservatively worth 350K).I am not real-estate saavy enough to know what my options are.(1) I dont think I can refi cause my LTV is horrible.(2) I cant sell without paying out of pocket(3) I cant short saleAny ideas for an exit strategy?  

Well, considering the lender is more than likely a federally regulated and insured instituion, defrauding them makes it a federal offense and sticking it to them on a transaction because they are the big bank that caused this mess in the first place, isn't the defense i'd want to use in front of a judge.

We inhale water vapor that is laden with nicotine, the nicotine is absorbed by our lungs, and we exhale the water vapor, which dissipates back into the air from which it started.It is completely harmless to your apartment, will cause absolutely no damage, smell, nothing.

How do insurance companies typically deal with fire damaged houses? 

sometimes it is cause they come on and off the market if they go under contract , then fall out of contract - I've seen homes that do this 3 or 4 times before a buyer comes in and actually completes a deal.

The heat pump works fine but is at least 20 if not 25 years old, the house also has some big trees too close to the house where big branch's have already fallen off the tree and have done damage to the roof in the past (I can tell by the patched shingles). 

The significance of the lost benefit should be equal to, but better, less than the benefit gained showing a charitable cause. 

Water causes so much damage.

She  and I talked about her plan of how to pay for Augusts rent and that this will most likely cause Septembers rent to be late too.Yes, 48 a months is a long lease, but keeping the property occupied is important.

That gives them some incentive not to share information that could cause you some headaches.