Willing to extend benefit of the doubt to someone packing up shakers (not paying attention), and yes, all this is small beans and easily replaced.

I would recommend BackFlip, but you do pay a little more on fees. 

I dont know the answer here, it is above my pay grade but if I were you this is where I would start.Talk to a lawyer.

I even heard of a landlord being sued and losing and having to back pay all the rent payments. 

Hello BiggerPockets Team, I'm Janasia Cuney, a new investor eager to delve into tax liens, tax deeds, and investing.

Equity Building:As you pay down your mortgage using rental income, you're simultaneously building equity in the property.

And finally how do we even know if you really are an investor and if you really lost any money and how much.. there is another thread on BP where someone like you ( major bone to pic) started flaming the company because they could not pay their interest payment or get a redemption and it boiled down to that individual had a 5k investment total ..

She will be finishing up her doctorate and finding a job and I will be finishing up my degree and getting a better paying job (hopefully) in the next 6 months.

They have some of the most extensive fees because this way they can charge you fees but low points.You can expect to pay about 1,500 in closing cost fees: Legal, processing, underwriting.To get in a good loan, you would need some experience in real estate flipping/holding preferably in Houston and be 100k liquid and have credit 700+.You fill those three needs and I can help you for sure.

You can stack those up and pay the debt down