I have cash but no job. What would you do?

[Chelsea Price]

Hi, folks! My husband and I live pretty humbly so we have zero debt. We own our home, our cars, etc. My husband works part time for himself and I don’t work at all. Haven’t since 2017. We’re surviving and thriving just fine by keeping our life simple.

BUT THEN WHAT HAPPENED WAS…

 I recently inherited $200k from my dear grandfather who was a mailman and worked for over half a century to save this money for me. Died at age 94! I want to honor his memory by doing the wisest thing possible with this money. Can you help me decide what to do with it? 
I'm leaning towards having a tiny house built (on a foundation, not wheels) on a wooded lot overlooking a river near a state park. Already talked to an amazing realtor and builder who could do the job within my budget. I would use and hold it as a STR. If for whatever reason it fails, I have a unique home I could sell as a profit.

BUT THEN…

Someone suggested I only use part of the money as a dp for a larger home. More bedrooms, more profit. Then if it fails, not all my money is lost if I couldn’t sell for profit. However, I’m not sure how I would get a loan for the balance of a larger home if I don’t have a job. (It’ll be my house, in my name only) 

AND NOW…     
   
I’m confused as to what to do with the money and it’s stressing me out. Can you please help me by offering suggestions that both make sense for my situation as well as honor my grandpa for all he did for me?