If she has mentioned anything that affects health and safety of an ordinary tenant you will want to jump on that right away regardless if it's in writing or not, but for any cosmetic or normal minor repairs you want it in writing. 

Realize that flood insurance is very expensive and has very poor coverage.  

"To enhance the health and well-being of the people we serve."

I have been interested in real estate investing for over 20 years, bought the Carleton Sheets program from a late night infomercial as a single parent living with my parents, had a rental property, but lost it to doing it alone, not having any support, connections, or networking group and making poor decisions.It has been a bit fearful to want to try this endeavor again, but I must say that getting involved with the local real estate investor association and attending MeetUps has made this "dream" more real.I joined BP for free to learn what I could.

Hello, Take a look at your city health and safety ordinance. 

Yes the spider crack is not acceptable in concrete stair but you can finish over the cracks for the mortar/plaster finish (although it is poor mortar job).  

This has been my only income for the last few months due to health issues. 

Definitely some poor cities in this list.  

Though I haven't experienced it myself, one of the first expenses to be cut when financial troubles are met are Health & Fitness expenses.  

Remember too how expensive other things are with out w2 income like health insurance.