I do recall DP3’s (replacement value) either being outrageously expensive or unavailable for that type of roof.

It looks like missing, or data unavailable.

I did try to call the agent to ask for the "why" but she was unavailable.

Also does our lack of experience negatively affect us in a way that would severely limit our options, if so what other options would be available if private lending is unavailable?

Currently doing any repair/maintenance work myself but with a few upcoming trips, figure it is about time to have a name to call should anything arise while I am out of town or unavailable.

And J i have nothing on my credit. it is at a stand still. or as the bank puts it "unavailable".

Since operating history of property is unavailable, you will have to get a realistic idea of income and expenses from comparing similar properties.

A few would be unavailable for some reason.

If that is unavailable, perhaps look at owner financing or hard money lending I guess.

Some sites I believe are considering or putting in place back-up services should the site be unavailable to service the loan.Escrow and hot-swap arrangements to a back-up loan servicer would be even better.