Should I agree or ignore them just keep trying to sell it? 

If you can't keep control of your personal finances, you are highly unlikely to succeed in real estate investing.

Keep at it!

Hi all,I've been all over these forum posts trying to find this answer and I keep going back and forth on whether it can or can't be done, so decided to reach out to some of you experts here.I'm trying to figure out if a seller, that is trying to do a 1031 exchange, can seller finance the down payment on their current property that they are wanting to sell?

Are you getting quotes to keep it competitive? 

Also, keep in mind that bills like heating are not really affected by the number of occupants.

Keep communication open and they may come around after they get over the fear.

Most carriers prefer to cut as few checks as possible during the process.Also keep in mind that the claims process can also be delayed significantly when the claim is larger (damage is more substantial). 

The seller loans 40% back to the seller (on a partnership agreement)  Thus, 40% of $1 million is $400,000.That $400,000 pays off your transactional lender ($200,000 plus closing costs and 2 % point) = $215,000$50,000 is utilized to renovate the propertyYou will keep the remaining balance.Since you are giving the seller a large sum upfront, you should negotiate at least a 60-month 0 interest and 0 payments on or before(5 years).  

Take photos of all damages, keep copies of all incident reports and communication records with your tenants, fire department, and insurance company.I would strongly consider working with a reputable public adjuster, especially for a claim of this size.