You better check out your legal situation, rights and obligations before you make a very expensive mistake!

Other than the fact it's situated around I-44 between St.

And which of those is most beneficial given my situation?" 

My guess is that with the recent fire policy changes in CA there are likely caps on the fire payouts and many homeowners will be in the situation of example 2.

The challenge we're facing is the lack of short term rental data for the appraiser, and we won't know if it will meet the debt service coverage ratio (DSCR) requirements until the appraisal is complete.Has anyone dealt with a similar situation?

Over half of the things you said were literally false accusations based on your emotion on the situation and I’m not entertaining that of course.

There’s no single right answer to every situation, but the more you educate yourself and build your network, the more confident you'll become.Lastly, don’t hesitate to ask questions here, no matter how small they seem.

there was a follow up post where someone got a loan from them but for realistic rates  8% or so and few points.. under 6% private / hard money simply does not exist unless its a family friends type situation. that bank rates or lower right now for new construction or fix flip  

To really give you good feedback on this, we’d need to know more about your goals and your current financial situation.

But when there are issues, not being local can make managing situations much more difficult than if you were local.