I am working on re-building my credit.

Naturally, this type of facelift remodel is only possible if the cabinets are structurally sound to begin with.A complete gut and rebuild of an apartment kitchen runs me about $4,500 plus the new appliance package.

If you plan on catering to the female athletes - rebuild your closets to make them more functional, enlarge them if you can, deck out the bathrooms and kitchens and you'll have no problem filling them.  

The Insurance policies look to insure based on the Replacement Cost (cost to rebuild with the same kind & quality).

No they cannot exclude someone from assessment. they may not rebuild a deck which just means there are cost savings overall for the HOA.

We faced challenges with city permits, inspections, and learning how to rebuild after fire damage.

Suppose those units that are tears downs have an ARV that is lower than what it would take to demo and rebuild?

I use insurance to cover catastrophic loss - high deductibles, insure for around 75% of rebuild cost, $2M umbrella, and low premiums.  

I've got a family member looking for help to find a way to finance the rebuild of his home after a total loss from a forest fire in 2020 near Medford, Oregon.

You can always rebuild after losing everything but it is stressful to say the least.