Are you looking to continue doing the BRRR method or branching out? 

Places like Texas where you’re at will likely continue to face significant insurance increases given more weather related events which makes it challenging To pencil, but if you have good population growth, things should even out.

I have had houses that I love and want to continue to own.

Insurance typically covers only the directly damaged area, not undamaged flooring, even if it's continuous.

It will likely still continue being a difficulty.You mentioned bills, are they credit card bills?

Very solid market, been investing there over 10 yrs and the rents continue to climb! 

I’m hoping that once I do have enough saved I can buy the second property and continue house hacking.

Realistically you would expect the house to continue to appreciate during that time as well... even if at 3.33% appreciation - that is another $50,000 in appreciation you would make in the 3 years - give or take.  

The recent earthquakes destroyed many multi-family complexes and will continue doing so.

Its all a learning process. if they can continue to pivot and make adjustments, when necessary, they will do wonderful.