It is normal for a bank/lender to pass 3rd party costs such as title, appraisal and any environmental or structural engineer inspections onto the borrower as these would be fees you would be responsible for paying at closing. a lender would quickly go bankrupt if they covered the cost of these items with every lost deal. 

I unfortunately invested in a student housing DST that went into Chapter 11 due in part to Covid and virtual classes.I have to take MRD from my TIRA so I need to get the evaluation down to $0 so as to reduce the MDR.A...

I don't know how, but I am betting it will take 20+ years for the storage facility to recover from those costs and then they have massive problems with large trees around the entire property.Be careful because when dealing with brokers you will be told the positive side of everything and will not be told about the pitfalls that can bankrupt you. 

I am looking to buy and rent out pre-foreclosures and bankrupt properties in my area.

What if they have some major tragedy in their life, are financially bankrupt, get kicked out of the house by their spouse, and decide to move into the vacation home "temporarily" and stay for three months?

So, you can make money and learn invaluable lessons with a HH, but it's typically a much lower risk strategy than BRRR'ing, flipping or wholesaling--which are strategies that (when executed poorly) can easily bankrupt a beginner.Moreover, house hacking can be very lucrative, and there are multi-millionaires who built their fortunes on repetitive house hacking.Now, having said all that, house hacking isn't necessarily easy (if it were, everyone would do it)...it's just easier than the more advanced strategies...House hacking still takes significant due diligence, skill in analyzing the market and the property, time and effort to learn about tenant screening and property management, the ability to anticipate appreciation/depreciation trends, etc., etc., etc....and even with lots of skill and preparation, things will still go wrong (vacancy, plumbing leaks, bad tenants, etc.)

So, you can make money and learn invaluable lessons with a HH, but it's typically a much lower risk strategy than BRRR'ing, flipping or wholesaling--which are strategies that (when executed poorly) can easily bankrupt a beginner.Moreover, house hacking can be very lucrative, and there are multi-millionaires who built their fortunes on repetitive house hacking!

Without a spreadsheet, nobody can nor should give you any advice and the very last thing I would ever do is sell a property without having a seriously good reason to e.g. if I could make a significantly better profit.As for investing in the U.S. if you remain in Canada, I am not an advocate for owning properties when I am not hands-on and cannot have 100% control of every facet because long-distance properties have many inherent risks and have many additional expenses and inefficiencies that can bankrupt you.

Hate to discourage you, but the flipping business is super tough with today's high real estate profits, even the pros lose money on many flips and flipping can easily bankrupt you if the real estate prices decline.

1) I recently put a down payment of $12K for a company to redo my kitchen but since the company has declared bankrupt.