I'm looking for a good agent in the Dallas area to refer him to.

Flood insurance is typically something purchased separately but for any other type of damage suffered as a result of the storms (tree through the roof, broken windows, etc.) we would have been covered. 

Couple of ways to improve the accuracy of your numbers:Consider adding vacancy as a % (typically 5-10%) because it's impossible to keep all unit 100% rentedNeed to add CapEx for your future big costs (roof, HVAC, etc)Considering adding a reserve for any other unexpected expenses.Keep up the good work!

Looking for general discussion, not necessarily specific feedback.How does everyone typically handle this sort of situation?

I would borrow 30k for between 6mos and a year (the seasoning term before a refinance).I know it's all negotiable, but we just want to know what's typical?  

Any back are typically resolved at close, no?

Any feedback or references would be appreciated.

When looking for a hard money lender I recommend asking for references and talk to as many as you can find.

In any case I will post on here what the attorney says so that in the future if anyone has the same question they can use this thread as a reference. 

I need to be able to cross reference different lists.