Would taking out a small business loan make sense st this point?

Hey, congrats on your business success!

The risk of "piercing the veil" applies more to LLCs when personal and business finances are not properly separated, not necessarily to individual landlords renting a portion of their home.A more practical approach is ensuring you have a solid lease agreement, sufficient liability insurance (including an umbrella policy), and properly reporting rental income and deductions on your tax return (Schedule E).

It takes capital to do this business and if you don't have it I wouldn't suggest throwing it into a marketing machine for wholesale deals.

Downsizing a one factory town.I would expect if FedGov downsizes, a lot of the corresponding periphery businesses/consulting firms, etc shut down.There has also been talk of such things like FBI moving out of Washington, I think some of that has already been the trend, but may accelerate. 

.- Working a W2 as a firefighter, posting and consuming content- Leaving my W2 to dive deep into real estate investing and working as an agent... and still watching/posting content all while business was ok - Deleting social media apps (one have one on my phone that I use 10 minutes or less a day), diving deep into building my business and skills which have drastically increased due to pure focus and increasing my business significantly- moral of the story... focus on the things you need to do in business (dollar productive activities) and life experiences while reducing consumption will increase your success  

And, Turbo tax Business software is $163.

This is not a debate, I haven't been in the business 30 years, but 10+ along with thousands of investor policies as well.

This is a relationship-based business.