I started my Career in Lake County Ca. and half that county burned down over the last 10 years.. probably 2k homes got destroyed so not as epic as say the fires in Napa and Sonoma. 

Prior to clean up make an inventory even if burned.  

HOLD & REFI - The improved cashflow (I have one lender saying he could get me into a DSCR loan at 6.5% which would 3x my cashflow) is enticing, but I'm don't want to risk anything especially having been burned once and would prefer to be on the up and up. 

Quote from @Cassidy Burns: @Daniel Green some good suggestions and really high performers on this thread, you are in good hands. 

He knows his stuff and is really good at making IG videos: his brand is a very clever mix of being super humble, telling everyone profits are less than you think and then flashing some fat $$ he made by selling to his investors.

I view it as a tool in a toolbox to help you "trim the fat" off the bottom of your portfolio, so you can keep growing with new acquisitions. 

I have been burned recommending contractors.

Sadly, the place burned to the ground back in 2016.

Quote from @Vikas Jain: Yes, I have already seen the buy-in, im less concerned about that part of it, but just want to make sure its legitimate (plenty of opportunities where buyin is high but it doesn't always mean the product is good, just been burned in the past by others so trying to do better due diligence this time around)Their success rate, as of now, is 100 percent.

I'm not an SME on immigration law, but I know that you can get burned pretty badly if you run afoul of OFAC and AML stuff.