This is not specific tax advice.  

And are there any specific permitting issues popping up post-storm?

Quote from @Dana Yobst: Quote from @Julio Gonzalez: @Dana Yobst While it may seem like a simple concept, it's actually a very complex process that requires significant documentation as well as specific methodologies.

If I have several options, I would prefer a HELOC with no initial draw requirements (i.e. to establish a literal line of credit that I have no specific short term plans to use), i.e. not something like the better.com HELOC. 

We specialize in auction properties all over Ohio but specifically in cuyahoga county.

The tax treatment in such cases may vary depending on specific circumstances.

I've had some not happy when I have asked them to split it out.I've tried asking questions to the IRS customer service reps, and didn't have the best luck.While I cannot cite a specific official guidance on this issue, I consider debit cards exempt.

And my #1 issue is I don't see any actions to address this in a meaningful, market specific manner. 

What I decided to do was work in what I was interested in and it led me to be an experienced real estate agent specializing in wholesaling off market properties in PA region specifically Philadelphia and surrounding areas such as Montgo, Delco etc.

There are often local Facebook groups for specific strategies