But it sounds like you are talking about a life insurance retirement plan (LIRP).

Do you have any projections for what will happen with the insurance market for this year, or is it even possible to project? 

Quote from @Gamal Harding: Anduril Industries' Expansion to Columbus: A Transformative Move for Real Estate InvestorsAnduril Industries, a prominent defense technology company based in Costa Mesa, California, has announced plans to establish a new manufacturing facility in Pickaway County, near Rickenbacker International Airport.

They are definitely responsible for starting the fire, whether utilities were on or not.If tenant has insurance, they should file a claim.

Loan Costs, Deposits, and Escrows: Origination fees, application fees, third party reports, legal, insurance review, title & escrow, rate caps (floating rate loans), due diligence deposit, rate lock deposit, standard escrows, etc.6.

The insurance payout also impacts your taxable gain.

Be ready for continuous learning and remember that networking is essential in this industry.

Did your borrowers mention securing your investment with a recorded mortgage or deed of trust, personal guarantees, lender’s title insurance, or anything else?

then, there are holding costs while you rehab - servicing the loan, insurance, utilities, the rehab. 

Thus, an entire scam industry has arisen where, for a few bucks, you too can have your very own "emotional support peacock".