I'm not sure if your read my previous response or all the previous 100+ comments. 

In most states (or all) hard money lenders won't lend on owner occupied properties because they fall under far more strict regulations.

Lack of experience or qualifications, poor communication skills, Inadequate screening processes, lack of transparency in fees and charges, negative reviews, high turnover, lack of proper accounting/financial management and unprofessional behavior to name a few.

even with a lower purchase price that's probably 1/3 of DC's they still mostly still don't work - rents not high enough, too much deferred maintenance, not in the right location, or all of the above. 

I think a short-term fix-and-flip loan would serve you better because, first, the credit requirements are typically lower than a DSCR loan's credit requirements, and fix-and-flip loans will fund a portion of the purchase price as well as some or all of the rehab costs (usually through the draw process).Right now, saving your cash, rebuilding your credit, and finding both a partner (ideally with a higher credit score AND experience) and lender you're comfortable with should be your priorities.

It's unclear whether it was the town, police, neighbors, or all of the above that had a problem with his yard. 

IF you do I will be happy to answer any or all questions you may have.  

You then have to scan some or all of the package before shipping it, then go to FedEx and mail it off.

Wondering how I would access it.Also, looking at opening a HYSA with Sofi or Ally for when I get more properties.

Even if you did not add endorsements for service line or sewer system replacement if the damage is part of a covered peril it's possible your insurance will cover some or all of it.What were the communications at sale regarding the water problem?