RC is the cost to rebuild the structure with the same kind and quality.

I think one of your main targets should be the Vollintine-Evergreen area, which will have great prices, solid tenant pool and is seeing a lot of community rebuilding efforts.

I wanted to rebuild my safety net funds.

Back home I knew everybody, the good attorneys, CPAs, escrow/title, subcontractors, rehab pricing...and now I have to basically rebuild a 16 year investment team/career from ground zero.

That may be insurance fraud if they do that, the insurance company is paying them to rebuild, I'm no expert but I'd make sure this is allowed before just doing it.

I got a 3-Flat foreclosure that I'm in the process of rehabbing / rebuilding.

In some areas, in the event of a total disaster that wipes out the structure(s), the re-build would have to be conforming; so the rebuild might have restrictions to consider.  

I don't remember what guest and I'm not a podcast junkie, but there was someone demoing down to the basement and then re building up. 

Im not against the slow process of rebuilding my credit and saving my W2 income for the next one.

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.