If a major repair is required I utilize funds from the account and then direct all monthly cashflow to the account until the 4% is restored.  

My partner is an GC who owned an insurance restoration company.  

Dude wanted to trade a beautifully restored 67 Firebird, for a little 3 bed 2 bath house in a very rural area.

The rest of the work, restoring the property to livable condition you can have a regular contractor do at regular rates. 

I could argue that a broker is like a retail RE store and all their agents are Wholesalers selling for the broker and getting a piece of the pie.

Right now I'm waiting on a paycheck from my new job to come in so I can apply for a secured credit card to (I'm not sure how long and difficult this process is) restore my credit.

The plumber was called in and removed the blockage and the restoration company has provided fans, dehumidifiers, and microbial compound to kill the bacteria associated with the overflowing fluids.My downstairs floor is laminate wood flooring.

Home prices range from $40k for a 2/1 rancher that is vacant and needs full restoration to $400-$500k depending on size and location (some riverfront, no private docks).

For exterior applications I have had great results with the Rustoleum Restore paint.  

I would look for a restoration service like Servpro that specializes in fire/water damage, as compared to a contractor.