A big issue you might run into is that most lenders will require you to qualify carrying two mortgages in your debt-to-income ratio.

I’m curious if anyone would have a recommendation for lenders that offer second mortgages in Texas.

Consult with a lender before transferring, ensure property insurance, and discuss legal and tax considerations with a real estate attorney and tax professional.Good luck!

Would have to call and order an official payoff from the lender 

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

Did you work with any real estate professionals (agents, lenders, etc.) that you'd recommend to others?

The problem I have is that even though I have reasonable savings and income, the lower income from the 2022 tax year is getting in the way of qualifying for a property that I can afford with my actual income of $130-145K.Find another lender I ran into the same problem not all of them average out your income, I noticed banks average out your past 2 years but mortgage companies do not I could connect you with my lender if you'd like 

Would it be possible to put sweat equity into the new build by doing a lot of the finish work ourselves - or would a lender not approve this?

Many lenders have investment property experience requirements, meaning the borrower needs to document owning an investment property currently or previously..

does not ring a bell.. in my day there was my company and Southern investments as the two major fix and flip lenders in Jackson MS..