Pic 1 is the interest rate paying 10 percent down and the lender giving us 6 percent in closing cost coverage.

Most standard contracts have terms for the seller to deliver the property in the same condition, free of personal property, debris, etc., so if you have doubts that your seller plans to do that, maybe reach out and ask if the storm caused any damage that will delay closing, to make them aware you’re not going to accept new storm damage.

First, any extra dollar of debt you have, that cannot be quickly reinvested, is costing you money.  

If rates do drop, you could face higher property costs, potentially negating the benefit of the lower rate.

If they're 10% more expensive, is that after renovation cost or before? 

I have the bright investor free trial.

But feel free to use these points as a benchmark.

Who would you recommend for DSCR Loans in NY with decent rate and closing costs?

I think 3 per side but you could do 4 if the cost isn't much different and switch that room to an exercise or visitor room if that doesn't work.  

If trained properly they will free up a lot of time for you, which allows you to do the highest paying activities.3.