Homes are crumbling across the U.S. And owners don’t have cash to fix them.

But there is a trash-can-size hole in her living room ceiling, caused by water that continually drips on piles of dank plaster and crumbled wooden beams on the floor. A gaping hole in her basement water heater spills even more water onto her belongings. And when Reese-Hobson steps into her shower, s...

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