The bigger companies, truly see you as another number in their pipeline and not as a client.

Start simple or go all in on a multifamily if you have the capital to support potential losses.

Does anyone have an attorney recommendation in Texas or other recommendations to remedy this loss?

Additionally, they've avoided 40-50 hard credit inquiries populating on their credit as a result of the soft credit inquiry that we utilize for DSCR loans.If DSCR loans are a new thing to you, I would recommend checking out some articles here on Bigger Pockets or giving me a call to learn more.

Tax StrategyWhile liquidating the brokerage account may trigger capital gains taxes, strategies like staggered withdrawals or tax-loss harvesting can help minimize the impact.

It's simply factual:  you violated the lease by smoking, stop it, remove the resulting odor and that a repeat action could result in eviction and loss of security deposit.  

I share more on splurging/saving for max ROI on my Bigger Pockets Episode (933:https://www.biggerpockets.com/blog/real-estate-933), if you haven't listened to it already.

The days we knew back-when have been sadly mostly lost, to the loss of everyone. 

I pay about $2500 a year for each of my partnership returns with my CPA regardless of whether it’s a $1M deal or a $5M deal.I would save the partnership conversation for if and when you are doing much bigger deals.

These days too many people have too little coverage in case of a rebuild so you do want to make sure you understand the true cost of a total loss.