Her reasoning is that she put it in her schedule and she could have accepted other cleaning jobs. 

Unfortunately, Uncle Sam always wants his cut ;)

Lastly, always keep your job and build your employment foundation because that keeps you income relevant and lendable.Hey thanks for your reply!

Since you have high incomes and can cut your spending quickly if necessary you should be ok with some cash in a HYSA and some short term credit available.

Your job is to make sure they are covering what they need to cover for the property. 

I personally recommend checking Columbus OH - lots of job growth, population growth, and major companies moving and developing here.

I’d say focus on getting new job and tending to your new family.

I have little confidence in turnkey providers, deals are already hard to come by, if they take another 20% cut before.. much better to buy a property from an owner that is in good condition.

The fed's cut will be too late and they will be playing catch up, as defaults and Job Layoffs continue to mount. 

Of course we can cut our losses and switch.