Debra MacCoy is considering all her options — including handing the keys back to the bank — now that she’s learned the crumbling basement in her condominium is ineligible for state remediation funds.  Mrs. MacCoy isn’t alone. Nearly a quarter of the 772 homeowners who have reported cracking foundations to the state are also out of luck because they live in condominiums that are excluded from remediation grants.     Read the article………………..