You will also need an electrical permit to have service restored to the building and may have to upgrade the entrance (we just upgraded to 400amp).

Originally, I was locked in at 3.125% with UWM (united wholesale mortgage) but rates went down further and UWM didn't want to unlock me so my mortgage broker switched lenders to Plaza home mortgage for the 2.75% rate.On one of my other 4plex's that's NOO (non owner occupied) I'm refinancing out of a VA to a conventional 75% LTV mortgage so I can restore my VA entitlement in order to use my VA for a 3rd 4plex this year and I'm locked in at 4.674% but I'm thinking I should hold out a little longer for rates to drop further. 

Got a quote from a disaster restoration company and it came in at $16,000.

Do I use the full 114K use as a down payment and get a small loan for the rest or the 

I know someone that may be able to help but not sure if they go that far. historical restoration is a different beast as you may already know.

Without seeing the property, I would assume it would need new electrical, new HVAC, plumbing, drywall, finishes, appliances, and you would want to talk to an expert in restoring properties due to fire---as their could be issues with the roof, siding, windows.

@Elgin CarnesAre there Habitat for Humanity ReStore in the area?

The agent I found on BP connected me with his network too to get my property restored and rented quickly.

I flip fire-damaged properties and own a fire damage restoration company.

Restored grout.