I currently have $45k saved up between savings, stocks & crypto.

I am in need of an accountant with knowledge about crypto tax.

. :-)If you're refinancing to get some money out, then the bank and its chosen appraiser would be the beerholder and you're really at their mercy as to what valuation you'll get (I'm sure it partly depends on how much beer they have consumed).

For short/medium term (months), in the current market, I'm a fan of parking it in a high-yield stablecoin (crypto) using a service like Blockfi.

I plan on buying a home soon for the money I make from crypto.

My hurdle is I'm 22 and though I have done excellent in my stock and crypto investing I do not have 3 million to buy the property.

A better comparison would be to say you've downgraded your cable package and Comcast has generously chosen keep charging you the full package "just in case" you decide to upgrade again later.

This site is great if you are looking to invest into real estate, wholesaling, flipping, rentals, lending, self-directed IRA and Solo 401k investing, crypto, or tax and legal guidance.Alerts can be really helpful too: http://www.biggerpockets.com/alertsThere are some pretty nice discounts on many products and services offered as Perks to BP members that you might want to check out: https://www.biggerpockets.com/perks/pro

If we had chosen to rent from the beginning we would have been able to use the money not spent on making the property sell-ready towards renovations/expenses on our next BRRRR Property, but we were to afraid of getting into more debt after such a serious loss.

If we had chosen to rent from the beginning we would have been able to use the money not spent on making the property sell-ready towards renovations/expenses on our next BRRRR property.