Have you tried just setting a timer instead of hunting for bad wifi? I used to do the same thing in Da Nang, bouncing between cafes based on signal strength, and it never worked. What actually helped was picking one spot and putting my phone in airplane mode while keeping the laptop online. The wifi stays fast for uploads but the rabbit hole is closed. Now I get a full edit done in one sitting, usually right there on Nimman Soi 5. Also helps to sit facing a wall instead of the street, way fewer things to look at when you get stuck on a hard cut.

I mean, is $60 a month really the disaster here? That's a couple pizzas. Yeah the free appraisal thing is sneaky but you still got the cash you needed and closed the loan. Your cousin paid $650 upfront so he's out that money either way, you just paid yours through a slightly higher rate spread over time. Honestly the bigger lesson is reading the fine print, which you already said. Lenders pull this stuff because people don't read, that part isn't news. Seems like you came out okay compared to some horror stories on here.