Was it indeed just locked, or did the latch mechanism fail, which often happens with bedroom sets that have plastic components in that mechanism; or did the screws that secure the latch into the door come loose, allowing the latch and/or the screws to prevent the door from opening...also not an uncommon event.

I completely agree with @Ashish Acharya's points about the cost-effectiveness of a HELOC and the potential credit implications if it’s secured by your primary residence.

Your best security is your neighbors , they are right there and see whats going on at your property .   

Do you have any suggestions on how we can secure long-term financing under these circumstances?

Quote from @Jordan Kaylor: I'm new to real estate investing and have secured a HELOC on my existing home.  

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.

You shouldn't need her social security number to file for eviction.

Unfortunately, it's now going to get more complicated:(There are two types of approaches PMCs use to bill for maintenance:1) In-house ServiceTechs on the payroll, so owners are billed for their time by the hour.While the labor charges above are useful, they don't cover the true costs a PMC incurs, like:- Payroll costs for FICA, Social Security, Medicare, etc. that typically add 25-40% to the hourly rate- Medical insurance costs for the worker- Payroll processing costs to handle all of the above- Liability insurance costs in case worker damages something or injures someone- Workman's Compensation insurance- Costs of vehicles and tools- and more...Typically the management contract will disclose the total hourly rate an owner will be charged.

HUD 4000.1 (I believe) is the latest HUD handbook and it goes over all requirements for originating the loan, including but not limited to occupancy requirements and exemptions.FHA occupancy : "At least one Borrower must occupy the Property within 60 Days of signing the security instrument and intend to continue occupancy for at least one year."

What I take some issue with is the techniques that guru's use to up sell and so on .. and they do nothing to qualify if the person paying them if the program does not work they are now into debt to the eyeballs and so on but then again who are we to say at some point.. think of  Hewlet and Packard they went into 15k worth of debt to start HP in late 40s or early 50s and that was a ton of money then :)