Definitely get multiple quotes to compare, but also check out their previous work, especially for the type of renovations you're doing.For managing renovations, having a detailed plan before you start is a lifesaver—schedule, materials, and budget.

The lender doing DSCR today may change their rules or not be around in 24 months given this tough market.

I know this a tough time for a lot people, post hurricane disaster but I can’t help to think is this a buying opportunity in those areas?

The Texas markets: Dallas, SA, HOU are tough. 

Tough market here.

Regarding materials, it's not just the units.

"We are sorry that we cannot continue this insurnace therefore your policy will not be renewed...Material increase in hazard as evidenced by the fact that the residence is not owner occupied as required by our policy".

As a GC I can advise try to retain control of your finishing material orders (anything where you need to make a choice ((tile, flooring, lites, faucets, tubs)) vs. construction materials (2x4s, mortar, shingles)) because we get those discounts on the finishing items and we keep them!

What information or materials would I need to file one?

The labor and materials cost varies widely in different markets.