However, I noticed that most homes in the neighborhood have vertical fences.Do you think it’s advisable to go with a horizontal design, or would it be better to stick with a vertical style to maintain consistency with the neighborhood aesthetic?

I agree with @Brandon Rizzo I think the supply will normalize as the migration to Texas has not slowed down and as builders make correction to a more balanced supply and demand (along with interest rate improvement) housing market will be better.

We're now well into year two, and will be running into year three in January and I'm wondering at what point do I need to take action?

Since refinancing and investment income (like rental income) usually aren’t seen as earned income, it likely won’t affect your mom’s survivors' benefits.However, if your mom’s survivors' benefits are based on disability (SSDI), then additional financial or property assets could trigger a review, so you might want to consult a CPA or financial advisor to be sure there are no unintended consequences.This isn't legal advice.

@Sean Grabow - The LLC should be easy. 

if the property breaks even, you should be OK since in theory there won't be any major capex for several years.

If anyonehas any advice that would be greatly appreciated.

It will be paid off in the next 10 months.

For me, Down Payment and Closing Cost, Since I am young and want this to be my retirement, I want to buy as much now and hold forever.

I know an LLC is not necessary to invest in rental properties, but I’ve decided this would be a better option for me in the long run.