Wraps in Texas are legal with consent from the underlying lender.

You could work out something called a "consent order".

If you carefully read the consent form before you sign it, it gives the lender the right to collect and get financial info from 3rd parties. 

I have been told by numerous individuals in the know that both RVMs and SMS fall under the TCPA and are illegal unless the person receiving the RVM/SMS has given you prior consent by opting in.

In any case you need consent from both parties.

They can make rules or charge you for repairs without your buy in or consent.

In the event that an architectural review committee or its designated representative, the director, and all adjoining property owners, if any, approve of the proposed improvement and file written consent(s) thereto within 60 days of submission, the application shall be deemed approved and the proposed improvement can be submitted to plan check, if required.

In my understanding the only way this would work is:With the consent of the seller ORThrough a foreclosure.So . . . .if someone is in touch with the seller then you have the opportunity to negotiate a settlement scenario. 

The leads obtained with consent.

As used in this Section 17, "Interest in the Property" means any legal or beneficial interest in the Property, including, but not limited to, those beneficial interest transferred in a bond for deed, contract for deed, installment sales contract or escrow agreement, the intent of which is the transfer of title by Borrower at a future date to a purchaser.If all or any part of the Property or any interest in the Property is sold or transferred (or if Borrower is not a natural person and a beneficial interest in Borrower is sold or transferred) without Lender's prior written consent, Lender may require immediate payment in full of all sums secured by this Security Instrument.