yeah called to check to see if a bid was legit after I won the bid and it did not go well my realtor told me I kicked the hornet's nest.

This question is more so out of pure curiosity and inspiration for right now, as I do not live in Miami and I am also just getting started, but basically I am wondering: how difficult is it to work with a luxury real estate firm in Miami such as Nest Seekers or ONE Sotheby’s?

As you mentioned you don’t have alotof capital, I’d recommend you both first get a firm hold on your finances and start building that nest egg.

Several issues come to mind:  student loans are very easy to get; bank mortgages without income are impossible.I'd keep your nest egg intact, and shift thinking from buying a house to controlling a house. 

This is my real estate investing nest egg and represents about a year's worth of savings.

If your employer was angry at you for building a safety net and nest egg for your family - maybe they weren't the right employer for you.

@Hunter Wolfe Your on the right track try a small local bank or credit union.Your credit is good this covid is hopefully temporary.Ry not to put down your entire nest egg.Show them you can make the payments.There are many online mortgage lenders as well.Best of Luck

I use Nest Thermostats.   

This can be accomplished with a Nest thermostat or putting a locked cover over it. 

We were thinking about moving in 2-3 years and keeping this TH for a nest egg later on.