@Russell Brazil   hahaha for that reason I was in shock cause, it is ok in certain times there is a hause price crash but COVID just put inflation on the worldwide market.that's in my opinion.

These are high pay and remoteAlso, Blockchain development is a hot skill (and high pay) as more and more industries explore the benefits of decentralizationI have been in Tech and Consulting sector for 15 years (based in Canada) however I work for clients worldwide. 

Seems like the best move is to use that VA loan, preserve existing capital for repairs/future expenditures/worldwide plague, and then refinance into a conventional when it's time to use the VA loan again.

@Jay C.I would steer clear of crypto and stock market because it’s a big gamble. Real

Besides that, have to file returns on my worldwide income.

Than over-all operational, what I call "WTF" contingency funds, this would be for black-swan events like say a world wide pandemic that affects operations.

During the world wide pandemic consumers spent $30B on entertainment which is a 20% increase from 2019.

We’ve also experienced a worldwide pandemic in case any of you weren’t aware… The results of all of this has left me with some debt, and less than stellar credit which I am working hard to repair as I get back to work again, finally. 

This opens the doors nationwide or worldwide, not just in your market.If she has tapped out your market, can she build a team in the city/or cities next door, around the state or around the nation? 

Markets are world wide, bugs spread