@Freyada Sorry to hear you faced such difficulties. I did open my bank account in summer 2022 before my residence permit was issued (3650€ in your bank account is a requirement, so it must happen first). This is what I did: 1) property purchase, 2) bank account, 3) residence application.
Sonja, many realtors speak English and if you can speak the language, even if a bit rusty, it will be really easy for you. I would start the search online (real state websites like realitica or even directly googling). When you find a property that you are interested in, just contact the realtor/seller by Whatsapp or Viber. Just be aware some are more responsive than others, my advice here (and for all your endeavours in Montenegro) is be patient and persistent 