Fees from broker dealers are excessive in the 15-20% range. 

You should only consider switching when your current software has a significant flaw or lacks features that force you to spend excessive time on workarounds.

Tons of companies sell them and they are reasonable priced for you vs loosing multiple potential sales. 

Assuming the building has land basis, there would be a gain on distribution in excess of basis. 

I’ve now filed paperwork with my bank that Cozy is only allowed to deposit, not withdraw, however this whole situation has caused me to loose trust in Cozy as a whole.

As someone who has a tendency to spend excessively and live paycheck to paycheck, the lockdown measures implemented during the pandemic unexpectedly helped me stabilize my financial situation.

There will be plenty of sponsors and investors who loose everything and maybe more than they invested. 

I could get a Brentwood CA property and have a cash-cow OR loose shirt off back, all depending on how I acquired it. 

He told me the nails holding it was loose, so he went throughout the house, re-nailed all the gutters.

As such, I would suggest being very conservative with your cash as loosing principle will be quite impactful.I understand your desire to earn the highest return possible, but keep in mind that you often need to take on higher risk to get a greater return.