@Naftali Green the most tried and true method to make sure you don't work with scammers is by getting recommendations from other real estate investors. 

Unlike a traditional bank loan, a hard money lender usually loans you money based on the quality of the deal, your experience, and not your credit score.Best of luck!

I like the KISS method and the idea of limiting the options. 

Most of the time they end up with an asset manager who then works with an REO agent to list the property on the market and sell it through traditional channels. 

You might have to reach out to a non-traditional lender for a portfolio product if you can't qualify.

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If the traditional STR markets aren't taking this (Foremost & Proper), I would suggest connecting with an independent agent and they can try the following,1)  Try and find a carrier who can pair the high risk property with your Home and Auto policy.   2)  Find a policy with a Lloyds of London type insurance carrier3)  State back insurance - Each state has a Property insurance fund as a resource if the public can not find coverage. 

Your most cost effective and fastest method is going to be to apply some pressure.Good luck!

It's easier to go the traditional vacant refinance route in my opinion.

I can buy the house traditionally if they have no way around their problem.