I'm going to give my answer assuming the underwriting is correct and you've got quotes for your insurance and a few bids (and picked the highest number) for your renovations. 

Who knows if it was sent or if it was even sent in time.The attorney or tenant could have picked up a phone to call you at any time, but they chose not to.I would find a real estate attorney and argue this in court. 

I am not sure what I would pick as the most important ingredient, rather it is an overall recipe that will get results.

So even if you pick a state with stronger protections like WY or NV, the cause of action arose in the state where the tenant fell, so likely that the court where the accident happened would have jurisdiction.

I am afraid your strategy of using additional insured status to circumvent the lender being notified of the change in title ownership will just give your carrier reason not to pick up coverage in the event a claim arises. 

This to me seems akin to going to a bar to pick up chicks.

I still (strongly) believe that supply will pick up in the spring once STR owners are disappointed with 2021 holiday figures, deteriorating property values on the mountain.

If you where going to be able to recreate the orginal layout, you would of been able to do so by the clues left behind by remaining framing, be it the "honey" holes where the toliets once where, the sizes of the holes in the joist would indicate what pipes ran where be it hot and cold supply, toliets, showers and other industry standard tell tale clues. 

We did our first flip in 2018, but we completed several more in 2019, and the pace really picked up.

Pueblo is currently recreational river area near City Park.