I've done several fire rebuilds and even more rehabs of old (pre-1900) houses and this sounds like a pretty big job, Kirk.  

Also includes pump and sewer backup $428, 000 rebuild value $500,000 Liability $42,000 Rental income loss (upto)

Gutting that one down to the studs and completely rebuilding it - new drywall, windows, insulation and all - first time I've completed something so major - about at the halfway point and excited to see it when it's done - near Central and oliver.

Some of these cities are rebuilding, eg bringing a lot of new industries into the city.

We have insurance but the rebuild is taking quite a bit of our time. 

We discussed earlier today that it has taken a long time to rebuild downtown Fresno because for a long time nobody wanted to be there in that space and now the people in my age group are not interested in being there - but the younger generation doesn't hold the same stigmas and see it as an opportunity  to take advantage of wasted space - this also open ups avenues for housing in downtown because it becomes very walk-able as more of the area is developed.

The garage on one property was in such disrepair, that I recently spent nearly nearly $10,000 to entirely tear it to the studs and rebuild it roofing and all. 

That way I am able to zero in on deals when they come up.Any help would be much appreciated - especially also on repair estimates, rebuilds, etc. 

It would have needed a total tear down and rebuild, which killed the budget. 

You can definitely use secured borrowed funds (like a HELOC against your condo) for down payment on the new home, but you will need to factor that payment into your overall cash flow strategy, vs. just using the liquid cash you have on hand, and then re building your cash stores.