@Denise Brown-Puryear I am biased as I co-own BIFI Loan Servicing.

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? 

Tired landlords and conventional loans weren't available.   

I too live in Marin, and feel it is a solid long term market for apprecaition, and utilizing the power of principle reduction.When it comes to refinancing, figure out what the loan costs will be, then divide that buy the monthly savings with the new loan in order to determine how long you have to maintain that loan to break even. 

Can't you get a conventional loan?

Starting with a smaller property or a few fix-and-flip projects can help you build equity, gain credibility with lenders, and better understand the process before scaling up.Securing funding for larger projects can be challenging without prior experience, but options like hard money loans might be worth exploring.

Lets say someone has 190k left on a 2.95% loan for a 220k property.

Use all of the proceeds and take a smaller loan initially. 

I am not sure what you are looking for here, but you can't get a loan without having homeowner's insurance.

It's been disappointing when the fed cuts caused increases in the 5yr rate (that our dscr loans are tied to).