I've gone the single provider route and lost everything when she had medical issues.

They'll tell a buyer that FSBO house A is in a dangerous neighborhood but will tell that same buyer a listed home B around the corner is a great buy in a gentrifying neighborhood.Having said that, you can travel the path of least resistance or not, it's up to you. 

That said medical professionals that are licensed you can easily see if they are licensed online. 

If you can Househack a larger property, preferably one in a very good location for either business or vacation travelers, and one that is updated/can be updated I would suggest the airbnb route.

While we do not hold any STRs, we do believe that it is a great market for medium term rentals such as traveling nurses. 

I am planning on spending no more than 120k with furnishings, travel expenses, and down payment.

It's quite possible her behavior is clinical in nature requiring assessment by medical professional

Last year it was way underestimating for everything because there was a big post covid travel boom and the trailing data hadn't caught up to that. 

Travel a bit in an Airstream and fish Florida lakes.

I am an avid traveler and love hiking around the country's National Parks.