I currently have $350 dollars that is missing from a chargeback reversal from a tenant that has a document case with Amex and a statement to prove the money was sent back to me. 

No problem, I had cash from a refi, a HELOC, and a personal LOC.

Second, success often depends on creativity, persistence, and a willingness to negotiate.

If you’re strategic about locations, management, and financing, STRs can still offer decent returns in the right market.I totally agree that it’s not all sunshine and rainbows in real estate right now, but if you’re strategic—especially with tax savings and a long-term focus—real estate can still be a viable option alongside other investments.I agree with everything you said but it’s also important to consider the Time component.

I'm looking at Coimbra, Porto, Ponta Delgada, Evora and a couple cities in the Algarve. 

Starting to research Uruguay to invest and as a 3rd country to live in.  

And a very good bye.

Having grown up in Florida, I was paranoid about the wind and a potential fire and sure enough at 10AM one broke out in the vacant lot adjacent to our property. 

As you mention big difference between fraud and a bad investment.

And a local resident is usually very helpful.