When I filed a claim, my insurance company denied it because the property was under rehab and not rented.

Just in case.Ultimately whatever correlates with your future plans but a solid way to build long term wealth.

The insurance is high.  

You're in the right place and now is the time to focus on education and planning.

I think holding is a great long term plan.

Have you considered investing in any other markets and how you plan to manage the property? 

As I settle into the new year with my game plan Im curious to know what Margins investors are looking to receive in this market.

Strengthen Your ProposalDevelop a Business Plan: Include:Vision: Your goal of creating a micro-home community.Market Research: Show demand for affordable or small-footprint living in your area.Financial Projections: Break down costs, ARV, and anticipated ROI.Experience: Highlight your previous fix-and-flip and demonstrate your learning curve.Present a Solid Development Plan:What is the size and scope of the project?

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. 

Cozy is notorious in holding your rent for over a week with the free plan.