You could then complete the construction and build your primary where you want on the land.It's a bit of a complicated process. 

This can be especially helpful if you’re uncertain about repair assumptions or costs.If it’s a contractor you’ve worked with multiple times, involving them early in the process is often beneficial.

Hey @Frank Pyle, this is always a tough thing.

Depending on the volume you would be submitting, find a company that does not have high monthly minimums and can walk you through the process if this is your first time using.

Texas tends to favor landlords in these cases, but follow the legal process exactly—any misstep could delay things.As for protecting against retaliation or property damage, installing security cameras (if you haven’t already) to monitor common areas might be worth it.

The process protects both their system and users against fraud and aligns with banking regulations, especially given the financial data involved in property management.

Do you use any tools or services to automate the process, or is it something you manually handle?

@Shawn Questa I agree with you that there could be some opportunity here, but personally, with that little equity in the property, I'd wait for the pre-foreclosure process to start and  perhaps you can do a short sale (though I don't know the details on how that's handled in TX).

Ask the manager to explain their process for dealing with maintenance, late rent, evictions, turnover, etc.

Then you put another portion of your mortgage on the HELOC and repeat the process.