The loan is non recourse, so I have no personal liability.  

For your mortgage, a 30-year loan will give you lower monthly payments, which could be ideal while starting out.

The insurance is higher along the coastal areas because of potential hurricanes but not bad the further north you go.  

They are definitely responsible for starting the fire, whether utilities were on or not.If tenant has insurance, they should file a claim.

I want to find a way to get a revolving line of credit, or hard mony loan for this trailer house w 4 acres above.

Hi, I am a realtor with about five really good lenders and two that have every investment loan possible. 

That is part of the problem with a lot of companies (I am not knocking insula as dont have all the info/facts just stating how the business works), they engage brokers to get them loans and the brokers collect a small fee. unfortunately many of the brokers may be similar to real estate wholesalers - have little to no experience. 

Insurance typically covers only the directly damaged area, not undamaged flooring, even if it's continuous.

Maybe a DSCR loan?

Also you're probably not really paying much off on principal on a fairly new loan.