If repaired well with permits closed out and all, an old fire shouldn't affect your insurance or financing options. 

So, any personal injury lawsuits will be covered by either option above, but the owner will be ultimately liable.Here's another real-life example: tenant hires personal injury attorney (+95% of tenants don't have funds to hire an attorney any other way) because the front steps handrail, that passed city inspection, failed to support them when they slipped and fell.

I would love to learn about all options that are appropriate for BRRRR

Unreal, so im looking for other options

In California, diverse housing options are encouraged, including Accessory Dwelling Units (ADUs), reflecting a broader trend toward inclusivity.

I have equity in both of my properties that I can leverage against if necessary, but I'm wondering how I would go about finding private lenders to discuss options.

  =)better option is to call a couple lenders directly, tell them you're not ready to have your credit pulled yet, but you want to discuss potential options based on estimates of your credit score, income, etc.you'll get better / richer info this way.  

Seller finance would be your best option in a market like Florida if you are looking for it to cashflow right away.   

Real estate is the better option no question.

The other option is a water tank.