Zelle for example will only reverse if you can prove your account was hacked.

I got mislabeled with the wrong group and have to prove I’m not part of it which is true in the state of ny.  

@Mohit Arora recommend you spend more time studying TX landlord-tenant statutes.Your lease is probably pretty basic as it didn't really cover this issue - and it probably doesn't really cover a whole lot more.Google & download as many TX leases you can find to copy & paste to improve yours.

if you don't already, study up on the rewards programs of the various card issuers. 

Studying commercial property investment could greatly accelerate the time line.  

Renting to students in majors that are study intensive (STEM) can cut down on the damage and engineers like to fix things.

You should look to conduct a cost segregation study so that you can accelerate more of your depreciation against your income.

I have no deal experience and all of my knowledge comes from self-study and networking.

I’m researching my finance options and studying the market.  

So all that said I think your guys are trying to fly under the radar and since you have shined the light on their operation they are wanting you to pay the cost of coming clean.Part of my selection criteria requires the contractor to prove they are licensed in the municipality that the work is being done in.