I recently bought a home from this agent and he knows I have some money tied up because of my husband's untimely death--he was surgeon.

My thoughts are that it would be faster this way to acquire a new income generating asset than to wait the 8-12 months for reconstruction.  

My current agent wont let me get a RC policy without it being close to the cost to reconstruct new which is almost double of market value, if not I have to go ACV. 

"Reconstruction Cost" is not Replacement Cost.

He tore it apart, and together we re-constructed a better plan with more realistic goals (buy 12 houses, not 100) and a better marketing plan.

You just have to do your best to reconstruct what is going on and compare that to typical costs for that size of property. 

Robert Karpman needed a fertile place to germinate a potential cure for billions of dollars wasted on health care, Scranton checked a lot of boxes.The orthopedic surgeon, entrepreneur, and Cornell professor from Ithaca, New York, needed somewhere to grow Medi-Trust, a robotic assistant that all but guarantees people who struggle to manage medicine regimens can stay on track...'

Ideally, I want to lease it to national chain maybe as they can reconstruct motel rooms into offices for like satellite office for Comcast or clinics or urgent care like MedNOW but any industry welcome as long they pay rent, insurance, and taxes.Thanks for brainstorming with me. 

For example, a surgeon’s patient may suffer a bad outcome and file a malpractice lawsuit naming the surgeon’s LLC, and the surgeon personally, as defendants.

True, but even the best surgeons/attys get bad outcomes.