What are my options here?

A storm claim typically DOES count against your insurance.

DSCR Mixed Use might be an option depending on a few factors but you really should focus on getting that credit up - any chance you can do some repair and get that improved even just 20-30 points in a month or two?

Start looking for your replacement options early3. 

The inverse is typically true for cheaper areas, more distressed opportunities, but lower profits gained per job.

Is this rate typical?

Its a great lower priced option to get into the game 

Is this rate typical?

Build-to-rent communities, purpose-built neighborhoods consisting entirely of rental units, are stepping in to fill this void, providing a viable alternative to traditional homeownership.Unlike traditional single-family homes or apartment complexes, BTR communities offer a range of housing options, from detached houses to townhomes and duplexes, tailored specifically for renters.

1031 exchange is a great option for upgrading - units, cashflow, class, location.