If "deadly fire" means that your collateral was destroyed, then your last recourse could be to a vacant piece of land or a property with a burned out shell on top of it.

Hello everyone, I'm not an experienced investor I should say from my experience that I'm a terrible one, we owned a doublewide on a 1 acre lot in Gainesville Ga that took us a lot of work to pay off ($59,900 owner financed at 10% interest) but once we finish it we tried to rent it out and it didn't work, tenants destroyed the property so we left it alone for a few years.Two years ago I decided I was going to fix it myself and I did, it took me 1.5 years and at least 20k but once we finish it we had a bad storm in Georgia (Irma) and three trees fell on top of the house.

Are they gonna be vengeful against the bank by destroying the property?

The insurance is destroying my COC ROI. 

Many of the neighboring units were tagged as destroyed and would need to be rebuilt with a further setback from the ocean but we got lucky and our unit was not destroyed but it was heavily damaged. 

You can’t go long periods of time especially in low income areas . 6 months is plenty long enough to destroy the inside of a house if left unchecked .

Let's say a tenant suddenly moves out without notice and destroys the place.

I was outbid on the property once by a destroyer captain, who was out at sea, so everything is possible.

During my investigation, I learned that the zoning had changed and you are no longer allowed to bring in new homes, even if the old ones were destroyed.  

So how can I get us in there without destroying their profits through tax?