And it was also during covid lockdowns so that added to my issues.

Debt is rarely a factor in their issue. the ultra wealthy I know  with a few exceptions have very limited debt.. to no debt. 

Do you know if this would be an issue when it comes time to having my 5 year DCA inspection in ( mid 2025) as the property is only register with them as a 4 family?

An in-house attorney would focus on resolving issues efficiently rather than driving up fees with extra billable hours, which can happen with outside firms.That said, I’m questioning whether this is the best perspective.

We ran into the same issue when we made our Costa Rica investments and didn't really find a good solution for a local mortgage there. 

Then you can avoid the self promotion issue. 

Another issue I had with him was he did not priortize my needs at urgent times during my transaction with him.

I figure the properties on the market the longest are the hardest to sell for some reason.. overpriced, ugly, other issues..

If you discovered the issue before paying for the appraisal that could hopefully save some costs (in case the appraiser is with the wrong AMC).Pre-vetting with the lender on rental history/AIRbnb/1007 as well as seasoning could help. 

Risks include market fluctuations, property damage, tenant issues, and unexpected expenses.