Bad stuff multiplies fast....And a lot can happen in 4 months.... :-)

If they don't respond, start the small claims process.If they do reply and you disagree with their charges, send them your evidence and a clear breakdown of what you want refunded.

Two high level quotes come to mind "Let your winners ride" and "a great value asset at a fair price is much better than a fair value asset at a great price".

Now I am investing in the US and a few of them have offered to lend me money at a set interest rate that I will use to grow my US real estate portfolio.  

There is commercial, there are rentals and investments and as @Hamp Lee III mentioned, you can focus solely on listings and not buyers. 

Those are the students that we are able to save countless hours and headaches by teaching them how to get started, and then working with them individually to scale up to multiple projects a month using the same methods I discussed in my recent Bigger Pockets episode to successfully micro-flip hundreds of houses.I agree wholeheartedly—real estate demands dedication and a willingness to learn.

I’ve also managed units where on our renewal rate we did reduce the rent from the prior year, but for other reasons, such as the prior year of the tenant having a washer and dryer, and a major plumbing issue with the building, preventing us from offering it the following year so we did a reduction.

For example, I am a little concerned about some aspects of the business cycle recovery and a potential for a double-dip so I lean toward the safest part of capital stack which is debt (or low-debt equity).

I have 2 rental properties(a 2 family home that I bought 9 years ago that needs new roof eventually and a short term rental a few hours away up north that has a 5.2 rate and is very updated) I used a cash out refi in 2021 for the 2 family to take out 25k(and it lowered my payment, went to a 3.2 rate for 25 years for the 2 family) and then used that 25k to buy a 240k cabin up north to use as a short term rental and family vacation home.2023 was the first full year for the cabin and it brought in 25k, however expenses were 36k, so 11k in the negative.

Totally depends on your state and a solid New Jersey Property Manager or real estate attorney should be an asset to you here.