Call mortgage brokers until you find someone who knows what you are talking about when you say a "commercial line of credit with cross-property collaterization" or something very similar to that. 

The guy was a marine and his orders changed.

For years there was even a mantra in the industry - "one year and one day"  because this always meant that the property would be reported on two consecutive tax returns, would always cross a calendar year, and would always be treated as a capital gain. 

I figured there’s and “f off” line that I don’t want to cross, but it’s a buyers market and the property has been listed for four months so I’m thinking I have some power too.

I just cross collateralize the equity.

People would go through the home and would see something wrong and then would automatically cross the house off their list.

Natural disaster is kind of one of those “cross your fingers” things.Being educated continually and being prepared for anything that could happen is almost impossible but you can try.  

Weird situation but just trying to make sure I’m not crossing any legal lines.

Then you can cross reference that with the current price and that will answer your question as well.I hope this helps and have a good one.

We are at cross roads right now, We have the opportunity to save up $10-$15k over the next 6-8 months or we can go ahead an buy a duplex for around 140k and house hack that for the next year.