On this new topic, it sounds like you're not able to afford a diversified portfolio without taking on debt.

Many people have a mortgage on a property where the land value is much greater than the home (aka near the water) and insurance is not able to pay off your entire outstanding mortgage.

I am not able to see the point you are making. 

I've already contacted the county planner and was told I'm not able to convert this garage to an ADU because of setback requirements.

Quote from @Daniel Gould: So it appears to me that while there's a free plan available to anyone in Invelo but the BP Pro membership includes access to the "Starter" Plan which currently costs $41/month otherwise - so this is a notable "value add" to the BP Pro Plan.

Even if their online banking and technology is not as strong, the ability to take advantage of their ancillary banking services, most notably their real estate lending far outweighs any minor inconveniences. 

Never in the history of the Federal Reserve have prices gone down for any notable period of time.

The agreement is contingent upon the buyer securing financing which I was not able to do and have provided a denial letter.The seller is requesting money for damages because the appraisal came in at the purchase price but needed a heat installed in the kitchen which the seller agreed to install (Not in writing).

Our only notable closing cost on the sale was an attorney fee of about $5k.Long story short, if you’re a real estate investor interested in another asset class, perhaps consider acquiring a small business like a laundromat.

Obviously with notable exception like the crash of 2008 that hit nationally.