If I do this, would you pay off the HELOC ($60k, adjustable rate pegged at prime minus 0.06%, full payment due in 2027) or the private lender ($30k, fixed rates between 3.5-5%)?

That might be in the form or layout adjustment, better utilization of the floor plan, or renovations.

Probably more like 10 year balloon, 3 year adjustable, 25 year amortization. 

We now have increased and new risk adjustments that need to factored into every deal analysis.

I found a lender who is willing to finance the 100,000.00 as a refinance at 5% adjustable rate. 

So my husband and I adjusted our plan to make this property a 2 year live in DIY fix and flip.

If you have a Replacement Cost Value (RCV) policy, you can recover the $1,600 depreciation if you spent $5,000 on the repairs by submitting your receipts to the adjuster. 

I will hope the payout from HA may be adjusted and increased.

When asked about all I have ever done, companies I built, deals I have done, all anyone talks about is all the win's BUT truth is their is a lot of fails along that journey too, and those mean nothing to me, I took a shot, it didn't pan out, I adjusted, moved forward. 

There were a lot of times where I thought I’d have to adjust my expectations.