This is in Vallejo, CA.I received an insurance quote to rebuild another property I have for a max coverage of $380,000 for a 2,200 SF home.

Hey Guys,After a tuff year and some  major losses I'm trying to regroup and rebuild.

So you might be able to get a loan, but at the LTV that you can get you will likely not get any cash-out.Good luck.I suggested selling and getting his equity out and starting out again with rebuilding his credit and such, you being a lender, if refinancing isn't a good route, what other options would you suggest?

It is best to buy a older home with a large footprint, tear down and rebuild.

Seal it with all with oil based primer/ stain blocker and then start rebuilding!

The insurance company does not care whether I rebuild the property or walk away with the claim proceeds.Furthermore, I have no working history with the GC who wrote the estimates and with whom I contracted to do the work a year back.

Is there any demolition required before you can rebuild?

Mitigating extensive fire damage could very well be more expensive than rebuilding from the ground up.Also keep in mind that state laws will likely require you to disclose any material defects or damages to the home - even if they've all be repaired.

I am officially lost and don’t what to do... should I tear it down and rebuild a duplex or triplex?

It cost the same to rebuild per square foot, but in an OO they are also covering your personal property, furniture, jewelry etc.Shop around and see what type of deals you can get, you can also get better rates by going with a higher deductible, just make sure you can afford more out of pocket if you have to make a claim.