DEAR HARRY: My sister and I just inherited a home from our uncle. The house is in a very stable area, but the maintenance has been neglected for a long time. When I examined the house, I also discovered some substantial cracks in the foundation wall in the basement. I want to borrow money on a home-equity loan to do the repairs, and then either sell the house or buy out my sister's interest. She will not sign for the loan. She wants to sell it now, as is. I paid for an appraiser to give us an evaluation for what it's worth now and what it would be after the repairs. The value after the repairs will be about $40,000 more with the repairs costing less than $25,000. My sister won't budge on her objections to the loan, and she won't sell her share to me for the appraiser's price. What can I do?