That time brought out the worst in people and showed what we are capable of if you just let us.

I haven't done so yet, so I don't know what sort of credit limits I can get.

Last intel the Gulf Coast cartels are the worst.  

Sort of.When a lender agrees to a DIL, they will own the property subject to all other loans, liens, possible lawsuits, and taxes due.

I have used hard money as a sort of bridge to longer financing, for example to fix a place up and stabilize it then move to a 30 year fixed product, whether that be conventional or DSCR.I do not think hard money is a good long term option as it is expensive, and STR's are long term investments in my eyes.

Some jurisdictions, like I think Miami, makes the homeowner take an assessment of some sort, but I don't think that's common. 

Worst case in court. 

Since you're living in it, the worst case scenario is paying the full mortgage which hopefully you would be able to do anyway. 

You could also get a wire mesh of some sort (this Hog-wire looks good) and have an easy solution to your problems.https://www.homedepot.com/p/36-in-x-96-in-Wild-Hog-Black-Met...

., etc.A good projection model will show you not only how to reach various goals, but it can show you all sorts of potential roadblocks that could prevent you from reaching goals (as well as potential solutions to those problems).