Quote from @Ronald Rohde: I think it just benefits current owners. our replacement cost variability just went up a lot for the next 4 years. 100%.All cyclical asset classes are reverting to the mean, except the one's with a material short-- naturally. 

They are not / were not instrumental in prices going up or responsible for the housing shortage.Builders just haven't built enough houses to keep up with natural growth.

It’s now estimated that Texas has 31.29 million residents, up from the 2020 count of 29.15 million.But Texas also ranked as the top state in the nation for domestic migration and natural increases over the past year.

The alternative is to hope for appreciation - this may or may not happen.

I've consistently written about the forces of nature and her current and future effects on the real estate market (even while often being ridiculed and politicized on this very site for it) regardless: I personally moved and invested in coastal Oregon in 2018 from Venice Beach Los Angeles partly as a result of the trajectory of climate and have assisted several clients that specifically purchased on the Oregon Coast for their own 'climate havens,' investment and future retirement homes. 

Alternative Lenders – Look for private lenders or debt funds that focus on asset-based lending rather than borrower experience.

We act as a bridge for international investors looking to diversify their portfolios in Europe.If direct investments in Spain become less viable due to these tax implications, an alternative could be collaborating with local companies like ours.

Now let's compound that natural advantage by fact your from TX.

I'm hoping this forum can help me understand what my alternatives are.

Alternatively, if the bank ( assuming there is a bank) is fine with it, you could negotiate a credit and escrow the funds to be released after you do it yourself.