The primary reason for the price of anything is simple supply and demand.

A second message came today suggesting it might be easier to chat via email:Hi Ryan,How about we exchange information through email, so it would be easier?

I did suggest to them that I would like to do it as you stated, and was denied that right.

This is separate from the tax treatment of the insurance proceeds.Your CPA's suggestion of not doing a partial disposition and instead offsetting the insurance proceeds with the cost of the new roof might be less favorable in terms of tax planning.

If your brother doesn't help with co-signing, I would suggest purchasing your own property.

His message was quite simple: Until you've been humbled, you have not figured out this business.

I'd also suggest you connect with @James Wise and @Engelo Rumora. 

Any suggestions 

You have come to the right place to begin your investing journey.Awesome board with many smart people having own suggestions and ideas to grow wealth!!

You have come to the right place to begin your investing journey.Awesome board with many smart people having own suggestions and ideas to grow wealth!!