If I create a 3D model and texture for a client, say a house. Can I reuse that same 3D model, but apply a new texture and then legally use that in my own game? Is that enough of a difference?
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I would comment, but there is a 50 rep requirement for some reason. Anywho, this is the same as asking "Can I reprint an author's book as long as it has a different cover?".
If you make it to sell to a client, then I would say the answer is one big no. It is that client's property, not yours.
I agree with the contract statements, but if I were you, I would use the original mesh as a base, then expand/improve/modify it to a point where it is no longer the same as it was but has helped you to save time when making the new model - the term for this is 'kit bashing' - creating a bunch of reusable assets that you re-use whenever you need a similar mesh to save time.