Banks really don't understand crypto, and the ones that do hate it because it POTENTIALLY puts t hem out of a job. 

I doubt they've offered to make you whole on your investment having failed at their primary/only job of due diligence.

I recognize there are other ways I could invest this cash (including another property) but I am being mindful of levering myself out too much in the current environment where job losses are more common in my industry (tech).

Skip the class and go straight to learning on the job.

Columbus also has great macroeconomics - lots of job growth, population growth, and major employers developing here.

(+1 sub)speaking of uncut gems. it's interesting that was the movie you were going to watch, given your situation. can't really compare RE to gsmbling, but the guy had heart and wouldn't give up for nothing. great job on persevering thru this storm! 

My main goal is it be able to retire at age 40 from my main job and work entirely on my real estate portfolio.

Here are some reasons to get the ball rolling:Thriving Market: Florida's population continues to boom, fueled by warm weather, a strong job market, and a business-friendly climate.

They stated that they were not a lawyer so they couldn't comment on the legalities of my question and they still worked for the bank so they couldn't give me any more info without losing their job but assured me that I was on the right track, keeping asking these questions and don't stop until you find your answer. 

Don’t quit your day job.