lost home in fire refinancing hard money loan

[James Brown]

bought 3bd 2bath property in california with hard money loan 450k @10% then lost the home in fire was under insured (long story) still owe 320k similar properties with house in this area have been selling for 600k - 650k

is it possible to get construction loan to rebuild and refinance even though theres a loan already if so how do i calculate debt to income ratio or can i refinance the raw land with conventional loan any help is greatly appreciated thanks for reading