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).

Small town, nothing within 8 miles, only shopping center in the town, Street level there is a nail salon on a 5 yr (uses 2 unit spaces), hair salon on a 3 yr, sushi restaurant 5 yr (uses 2 units), real estate office on a 1 year (been there 15 years) massage parlor 1 yr.

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.

Sometimes it takes massaging the numbers to find the point where the strategy works (if it works at all).