Teachers and administrators come and go, and governments (even in Texas) are at risk of changing direction with the lightest breeze. 

Two single women that don't know each other, but this is apparently status quo for how the International Center places their incoming refugees that need an apartment.Before I rented to these to ladies, the IC guaranteed them employment within 90 days, and their rent is paid by a stipend from the US government.

That is 100% committing yourself to working for "the man" (government regulated conventional banks) to fund your real estate investing.

 - RE-experienced/friendly lawyers do entity creation consistent with the state laws that govern their construction and governance

Essentially, since a HELOC works like a credit card, as you pay down the balance, the interest will be less and less, which allows you to pay off the loan sooner.The one thing I would be leery of is that most HELOCs are based on Prime Rate, also known as the Federal Funds rate, and the rate is adjustable.  

@Brittany KingI would check out Navy Federal Credit Union.

Good climate, close to beaches and mountains, friendly people, and business-friendly governments.  

Most banks and government entities do not let the agent they list with to represent both sides of the transaction.

For people traveling through the southern most counties, it is clear that there really isn't much of an economic recovery. 2019 Proj Total Housing 546,9665.18%2014 Proj Total Housing 520,0092010 Census Total Housing 442,2112010 Census Occupied Housing 389,06488%2010 Census Vacant Housing 53,14712%2014 Est Median Value of Owner Occupied Housing 103,5852014 Est Median Gross Rent 6902014 Est Owner Occupied Housing 268,89862%2014 Est Renter Occupied Housing 166,97438%2014 Est Owner Occupied Housing Vacancy 2.44%2014 Est Renter Occupied Housing Vacancy 8.07%2010 Census Total Households 495,358The biggest employment sources are: government, manufacturing, health care, retail trade, and accomodation/food service.

If the landlord allows the co-tenant stay-on under a {new} periodic monthly lease, it is an agreement to which you are not a party.If in-doubt, you can contact an attorney; the branch of the state government who overlooks tenancy matters; or a tenant advocate group.