Anyone here deal in judgement liens in Texas? 

In the event it went to court (eg return of deposit or a judgement) make sure your time is itemised.

They can read it and make their own judgements, there is no harm in that. 

I would also point out the cubbies for clothes since that is a factual point that you can correct them on, but otherwise I would leave the mattress and kitchen comments alone because those are opinions and value judgements. 

I got a judgement in small claims court for the money + interest. 

If the homeowners can afford the property and do have money in the bank, how are you protecting them against a deficiency judgement and are they still willing to sell their house knowing that a deficiency may be filed?

In all of these situations you can get some leverage by buying a lien, note or judgement against the property

It is more for liens, judgements and actual titled owners.

So here is how the umbrella works.... you have $500K in liability insurance for some reason you are being sued and there is a judgment against you for $800K your property where the sued occurred will pay the $500K in liability and the umbrella will kick in the additional $300K remainding...if you didn't have an umbrella you would have to pay $300K out of pocket since most people do not havet this amount cash thats when the courts would order assets to be liquidated to pay this debt, including garnishing your wages if necessary, (of course this depends on the severity of the sue/judgement) I AM NOT A LAWYER and I am not giving legal advise, just explainin what you would need as far as insurance.

Unless they're doing substantial rehabs, in my judgement, that should come with the standard management fee.