I recommend talking to a collection agency to see if they can help.

. - Do I have the right to refuse to work with specific real-estate agents and/or agencies?

Once you cross out of the 1-4 family then you're going to have a very tough time finding a lender for the agency products under $1m.  

Then I would meet them on weekend and try to sell them a house..I just want to mention that as I stated above this is my brokerage experience as a salesperson in 1960's, prior to franchising agencies, and agent teams and technology. 

Texas does not allow dual agency. 

I purchased an office building to run my insurance agency out of.

But things like using LLC's, pooling money, splitting profits, typically aren't allowed because it means its being used as an investment.I have had several lenders even tell me recently that owner-occ loan programs are turning people down for financing if they are moving between similar investments, say from a 3 family to another 3 family, in the same market, even if you've already refinanced into a conventional 80-20 LTV loan on the 1st, just because its now obvious to the agencies that it is being used as an investment strategy.

Because we have a no pets policy, daughter helped get ESA housed with a pet care agency which was good.Friend disclosed that she needed a place come January.......I invited her to apply for a spot that would we empty in our basement Dec 31.

I may sound like we are splitting hairs but it’s an important distinction to make, single family and small multifamily fall under the single family umbrellas within the agencies (we’ll call them multi unit versus multi family).

This was an Agency debt lender.