I rented it using an agency and their fees combined with the high HOA fees made it a negative cash flow in that setup.

I don't see Texas being a great play right now with the sudden "hot" label bringing on the rookies combined with oil prices turning negative for the first time in history as Covid hit... small time investors could be leading with their chin. 

The lots were side-by-side and could be combined for building on, or built on separately.

Make a large chuck of money which was split between buying another homer to live in and then combined funds with my current partner and bought a 4 unit building Lessons learned?

I'm thinking my best course of action will be making extra payments towards my principal, combined with finding a lender that is willing to use a higher value for my property.

I came across this Four-plex that need about 40K rehab for 2 of its apartments, 1910 building in downtown, combine water meter and electricity, 50% occupied, 2 units that renovated are rented and other 2 units need total gut rehab that might be around 40K according to seller.

The other option is to be on the lookout for someone to partner with where you can combine resources and partner up on a larger project.

The three garages combined are about over 1400 sqft.

I believe others use a combination of services and I'm not sure which of those might be adequate.

I would start by looking at the terms and fine print. most all products will have varying combinations of the same factors.