Your best bet would be to find a portfolio lender whose niche aligns with your investment strategy.

You might have to dig into off-market deals, though, since inventory is tight.Multi-Family: Always a safe bet if you can snag a good deal.

Ask for higher security in person have them back out on their own if they still want the place you will be safer with more security

Statistically, I would bet that many of these properties could be at risk from a similar event before the reconstruction could even be completed.What is the new premium on a $5-10-20M insurance policy and how could it ever be recuperated during the life of the policy or length of the average 30 year loan? 

Your best bet is to keep liquid cash and avoid PMI.

DSCR is going to be your best bet here.

Do you need or want monthly cashflow, tax write-offs, betting on appreciation,....   

You second property will rip I bet.

Well the bet I'm making here is that CapEx and repairs will be very low the first few years (honestly event he first decade), and once all the construction ends I will be able to increase my rent closer to market rent at $2k which will give me a better cushion.

My bet is you do not get sued.