From just the photos, it appears to be a value-add opportunity at best.

You have to file a complaint in Superior Court and appear for trial.

Glanced through the replies and it appears that the lenders that commented did not catch that he said Hard money on a personal residence.

DO NOT SAY that they are homeless or appear to be homeless. 

@Abigail Lipson if you want actual assistance, then share what you've done so far and ask if you've missed anything or made incorrect assumptions.To just ask for general assistance or for someone to share their evaluation criteria makes you appear lazy and wanting other people to do your work for you.One of our company's mantras comes into play here, "if you don't ask the right questions, you won't get the right answer".Please ask better, more specific questions, so we can better assist you:)

This is important because you want your name to appear on any claims checks.The following are some general terms that you can use with your Agent, Attorney and CPA to determine the proper form for the coverage. 

I don't want to appear as the sole victim because I am not.

on the other hand, ask them to allow you to test and clean rather than them give a hearsay appear and disappear story.

@Nicholas LIt appears that you are conflating costs and expensesCost is typically a one time event while expenses occur on a daily basis for line items associated with the operation of the property

One of the principal industry concerns about the vast power granted to the Consumer Financial Protection Bureau was that these powers were too insulated from review….The ruling sends a crystal-clear message to federal agencies that their powers are not unlimited…We would not be at this point today if government agencies were more prudent and consistent about staying within their statutory authorities, grounding their rulemakings in empirical facts, and heeding appropriate procedural safeguards…Instead, too frequently, our regulators appear to be chasing headlines and short-term political wins.”National Association of Homebuilders - “Today’s Supreme Court ruling is an important step forward to advance meaningful regulatory reform because it means that federal agencies can no longer continuously change the law – and the intent of Congress – by implementing their own interpretation of statutes as long as the interpretation is viewed as being ‘reasonable.’