@Orane JacobsHouse hacking in San Diego is a smart option even with the expensive real estate market.

Take a look at the find a lender tab or work with a broker who can quote you multiple options from a wide variety of lenders! 

You can read up on this online, but most sources say that mold begins to grow within 24-48 hours after flooding--so, if you wait until tomorrow, the mold is probably already starting.Personally, I wouldn't wait for a restoration company to come 48+ hours after the the flood, only to charge me thousands (possibly tens of thousands) to do something I can do myself.

What are my options and potential workarounds?

I would agree with @Michael Smythe - the only way a seller comes around to a sub to transaction is when they have no other options or are uninformed.

Ideally if we played the cards right we would have option to take some of the init you do  Equity out after adding value.Thanks for the help!

Am I missing out on other options? 

We have been discussing options on how to move forward.

I’ve been devouring content from all different sources. 

If you log on to some of the popular sites like furnishedfinder or Airbnb you will see that they have "rent by the room" options.