Upstairs bathroom has been totally gutted and reconstructed, 2 year old hardwood floors. 

Are you come across a lot of private lenders, reconstruction loans or rehab programs that are great for beginners?

The key here is to have multiple bids for remediation and reconstruction.  

I was a brain surgeon for 15 years .

It's something I would tell my 21 year old self if I can travel back in time or to become a brain surgeon.

Both homes are in a desirable area, in excellent condition, with the owner-occupied unit being recently completely re-constructed less than a year ago.I am looking to have the property appraised, however there are very few comps to work with.  

There will be doubling up with family for months or years due to the reconstruction.

You can gather a LOT of information online through public information and sometimes reconstruct the history of the note, which is how you sometimes find hidden potential.

This official 3 fam is being used as 2 fam; needs reconstruction.

This is going to come off brash...what you're asking for is a well educated and skilled surgeon recommendation that is willing to take a 50-75% pay cut for their skills.