I have confirmed what @Garrett Brown shared -- my best option is an SBA disaster loan with a lower than normal interest rate to pay off our mortgage and then I can also hope for / pursue with others a land buyback program for those of us who have floodplain property that FEMA won't reinsure.

We include my commission and negotiate as normal.

Normally, unless there are specific building code restrictions, the amount of units allowed on a lot is determined by the Floor Area Ratio. 

He gets his price and you get terms, but less than normal because it's such a win.

Whether I find a new tenant or not, the departing tenant moves out after 30 days and is treated like an ordinary termination, which means I process their deposit like normal and they can earn a good landlord reference.2.

They'll want all the normal stuff; bank account info, LES for several months, hard credit check, etc.

Potential Equity is not skin in the game. 

The question here though, why are banks turning you down for a very normal loan product?

It's going to be a good long while before things get back to normal around here.  

And I'm open to your comments, so please comment:)The SCS wants a wetland delineation and NPDES permit in addition to the normal E&S plan and stormwater controls.