I give them every opportunity to save the $30 application fee.

I’m starting my journey into investing in real estate.

If this is a route you plan to go, I might also get a lawyer on board from the start and allow them to either negotiate with the insurance company or file the lawsuit against the agent and brokerage.

Nothing was up to the new 2020 codes when we started renovating last year.

Therefore I'm now looking to start investing in RE in the U.S - prefer neighboring states like New York (Buffalo?)

Otherwise revise the transaction and do it legally to claim the additional payment.The 3.3% you save on depreciation by trying to retroactively claim extra money you paid probably isn’t worth trying to fix the way you did this.

I do not usually avoid this type of confrontation but I would not take on this fight and I have had on-going cases for 3 years (new one started before previous is settled).

Interacting with other like-minded people here at the local REIAs will definitely help you with getting started out.

Of course the bank says "no problem", I start the process etc, then after credit pull and everything state "thing's have changed and you cannot own more than 3 investment properties" so now I'm at a standstill and they want to push me to commercial side, which in this case is requiring them to take my first and have to refi the balance and lose my rate and then tap a HELOC afterwards at commercial terms.

A lot of times the process will start, but there's no telling when it will complete due to uncooperative family members.