Bankruptcy/ Real Estate Unfortunately, my husband and I have begun the…

Bankruptcy/ Real Estate
Unfortunately, my husband and I have begun the proceedings to file for bankruptcy on approx. $25000 worth of credit card debt. We are current on all vehicle loans, and both mortgage and line of credit, and had no intention of including our home in the bankruptcy. However, as we understand that the bankruptcy will make it very difficult for us to purchase a new house for a few years, and as we are quickly outgrowing our 3 bedroom 1 bath home, we are reconsidering that decision. We are in Michigan, and therefore have around $40000 negative equity in our house, which is located on a very busy main road. We are trying to emerge from this devastating situation in the best possible position for our family, and with the real estate market like it is in Michigan, rent to own, or land contracts are readily abundant. We are outdoor people, who have dreams of one day owning a small hobby farm where our children can run free. We can’t help wondering if this may be our opportunity to get out of a house that will be difficult to sell in a good market and start over again with more space around us? Any advice would be highly appreciated. Thank you.

Hello.

Hello.
I am hoping for some advice here 🙂
My husband and I purchased a new home approx 1.5 years ago. The home was done through a VA loan and was inspected by a VA inspector. A week after moving in, we noticed our basement walls were crumbling on all five walls. It was crumblin so bad that you could stick your hand through it. It was also doing the same thing on the outside basement walls. Six months or so after moving in, we were contacted by the home builder to do a customer satisfaction survey. My husband explained the problem, and they had someone out to take a look approx one week later. They were in and out of our house with different people for about a month. They had the concrete company come out and “sand” the wall down. They then applied some sort of “coat” over it. Well, that did not work and the walls were doing the same thing a week later.
After that happened, we met with the owner of the Home builders company and a few other “higher Ups”. The explained how bad they felt about what happened and gave us two options:
1. They would try and “fix it”. Which of course would bring down the value of our home.
2. The concrete company would buy our damaged house. The builder would build us a new house and GUARANTEE financing for us.
We sold the house back to the concrete company and had the builder start our new home. When it came down to closing, we could not finance the home to due the downfall in the housing/mortage market. Even though are credit is just as it was when we purchased the first home. The concrete company did a land contract and we are coming to the end of that contract at the end of November. Unfortunatly we still cannot find a lender.

I feel like we are getting burned in thsi process and have been since the begining. If you could point me in the right direction, we would really appreciate it.

Thank you.

house rental lease clause My lease has the following sentence: ”The Tenant…

house rental lease clause
My lease has the following sentence:

”The Tenant is responsible for utilities and maintenance of the property including water softener salt treatment as needed, lawn mowing and snow removal, as well as rubbish removal”

Does this mean I’m responsible for maintenance of the property in general? Or does this only mean I’m responsible for the specific maintenance items it mentions?

Thanks!