What the money will be used for - is it for consumer or non-consumer purpose?

You'd do better by using a CD as collateral at the bank for a series of short loans and paying them as agreed.It's easier to start with your own home, work that in first.Lenders look to the type of credit, consumer credit for more of the same, real estate they look to rent and previous RE loans.

You didn't have to consume any for the HOA to have a need to use water.

Values seem to be creeping up, which is something I haven't seen in awhile, and finding good investment isn't very easy to do since the area is so desirable that consumer buyers are willing to overpay for fixers.

If you have other consumer debt -- car, student loan, credit cards, etc. -- they get in line ahead of the mortgage payments.

The mortgage industry is full of organizations, like the American Banker's Association that has educational programs for members. hen, there are the alphabet soup agencies like the OCC, FDIC, CFPB and HUD that provide public consumables to enlighten anyone willing to look things up.

I always advise owners and managers to consult with an attorney who specializes in premises liability and landlord-tenant law.If you keep the tub, you should have specific clauses written into the rental agreement as an addendum.You absolutely must provide the tenant an owner's manual because the first five or six pages are full of all the legal warnings that keep the tub manufacturer out of lawsuits (Consult a physician before use, Don't consume alcohol, Don't use alone, No unsupervised children, etc.)Bottom line: If it needs work, have it done by a licensed, bonded and insured electrician and/or spa technician.

Here's some info for you:http://www.nolo.com/legal-encyclopedia/deficiency-judgments-after-foreclosure-texas.htmlFor a Republican state, Texas has some good consumer protections!

Even to this day I still get worked up during negotiations, It totally consumes my life until I either get it bought or don't.

I am sure the extra $150 upset you but if you really understood the situation it is probably a good thing for the consumers in your state.