Emphasize the lack of transparency regarding the deposit reduction. If they initially agreed to a lower deposit and then reversed their decision, it's reasonable to dispute the charge.
Highlight the absence of a clear refund policy and how it was communicated to you. If they assured you of a refund in case of non-qualification and you didn't provide confidential documents due to privacy concerns, you have grounds for a full refund.
Document the communication regarding the application deletion before the stated deadline. If they prematurely terminated your application without giving you the agreed-upon time to consider, it supports your case for a refund.
Express your dissatisfaction with their customer service and compare it to your experiences with other agencies. You have the right to choose which services to engage with, and poor service can justify seeking a refund.
Privacy and security concerns are valid reasons to withhold confidential information. Emphasize that you were unwilling to compromise your personal information, and this should not disqualify you from a refund.
Compile all relevant email communications as evidence for your credit card dispute. Clearly outline your points, focusing on their breach of agreement, lack of transparency, premature application deletion, poor customer service, and your legitimate privacy concerns.

Here are some steps to help you embark on this journey:

Education and Training: Start by gaining a strong foundation in real estate development. Consider pursuing a degree in real estate, urban planning, architecture, or a related field. Additionally, seek out workshops, seminars, and online courses that cover topics such as zoning laws, land use regulations, financial analysis, and project management.
Gain Experience: Look for opportunities to gain practical experience in the real estate industry. This could include internships with real estate development firms, working as a project coordinator for a construction company, or volunteering with community development organizations. Hands-on experience will provide valuable insights into the intricacies of real estate development.
Build Your Network: Networking is crucial in the real estate industry. Attend industry events, join professional associations, and connect with experienced developers, investors, architects, and contractors. Building a strong network can open doors to potential partnerships, funding opportunities, and mentorship.
Develop Your Vision: Before diving into a real estate development project, take the time to define your vision and objectives. Consider the location, target market, amenities, and unique selling points of your project. Conduct market research to assess demand and competition in the area.
Secure Financing: Real estate development projects typically require significant capital investment. Explore various financing options, including loans from banks or private investors, crowdfunding, and partnerships with equity investors. Develop a comprehensive financial plan that outlines projected costs, revenues, and potential risks.
Navigate Regulatory Requirements: Real estate development is subject to a myriad of regulations and zoning laws. Work closely with legal experts, architects, and urban planners to navigate the regulatory landscape and obtain necessary permits and approvals for your project.
Assemble a Team: Successful real estate development projects require a multidisciplinary team of professionals, including architects, engineers, contractors, lawyers, and financial advisors. Assemble a team of experienced professionals who share your vision and can contribute their expertise to the project.
Execute Your Plan: Once all the pieces are in place, it's time to execute your real estate development plan. Monitor the progress of the project closely, address any challenges that arise, and adapt your strategy as needed to ensure the successful completion of the project.
As for your plan to build a mix of home resort and farm, here are some suggestions:

Market Research: Conduct thorough market research to identify demand for your concept in the area where you plan to develop. Consider factors such as demographics, lifestyle preferences, and competition from existing resorts and farms.
Location Selection: Choose a location that offers the ideal combination of natural beauty, accessibility, and amenities for your home resort and farm. Consider factors such as proximity to urban centers, scenic views, climate, and availability of water and utilities.
Design and Development: Work with architects and designers to create a master plan for your home resort and farm. Consider incorporating sustainable and eco-friendly design elements, recreational facilities, and agricultural amenities such as organic gardens, orchards, and livestock areas.
Infrastructure and Amenities: Invest in essential infrastructure such as roads, utilities, and landscaping to enhance the appeal and functionality of your property. Develop a range of amenities and activities to cater to guests' interests, including swimming pools, hiking trails, outdoor dining areas, and educational farm experiences.
Marketing and Promotion: Develop a comprehensive marketing strategy to attract guests to your home resort and farm. Utilize online and offline channels such as social media, websites, travel agencies, and events to promote your property and attract bookings.
Hospitality Management: Ensure that your home resort and farm offer exceptional hospitality services to guests. Hire experienced staff members who are passionate about providing personalized service and creating memorable experiences for guests.
Sustainability Practices: Embrace sustainable practices in the operation of your home resort and farm, including energy efficiency, waste reduction, water conservation, and organic farming methods. Highlight your commitment to sustainability as a unique selling point for eco-conscious travelers.
Community Engagement: Engage with the local community and seek opportunities for collaboration and partnership. Consider offering farm-to-table dining experiences featuring locally sourced ingredients, hosting community events, and supporting local artisans and farmers.
By following these steps and incorporating these suggestions, you can create a unique and successful home resort and farm that offers guests a memorable and immersive experience in a beautiful natural setting.