It may be a little too late since you accepted the insurance money already, but typically you would have a contractor in place (Ideally multiple quotes) before accepting the amount quoted to you by insurance.If your insurance company referred you this company though then after doing more research on them maybe they are the best option?

I first had a chuckle, and then I realized it's actually sad.

With a good credit we can get a loan (just have to find a good lender) and have money for downpayment.

Even Hard Money lenders (with 10% to 12% interest rates might have issue with that) PROPOSAL MADE and SEEKING OTHERS:Have the Husband agree to SELL her his 50% interest in the House on TERMS to the WIFE who wants to STAY in the home and where he would carry back a WRAP AROUND  Note - lets say for $1,425,000 at 7.0% with I/O INTEREST ONLY repayment terms  of $8,312.50 monthly and a 36 Month Balloon payment when the entire $1,425,000 would be due.

So my net is $97005 and my offer is accepted Are you actually stating that is a taxable event?

Need to find a good hard money lender to help fund the acquisition and rehab for the property.Are we squared away financially to refi out of the hard money loan using conventional financing?

The rehab + landscaping = $65K (approximately) Would it be better to seek out private money and pay them back at refi or attempt a cash out refi.

I actually have a phone meeting with them tomorrow. 

Sent them pretty much all my money but showed little from them. 

Any tool that does that isn't going to help you because you can't verify that the numbers you are plugging in are actually even in the ballpark if you are doing everything virtually.