Former BTC maxi who needs your help loaning crypto.

Hello all, sorry for all the maxies on Twitter - I'm not like that and I don't even think BTC and ETH are solving the same problem or need to occupy the same space.

My fam has taken quite a hit due to flooding (I was stuck in a tree for nearly 4 hours with rushing water at my heels) and insurance doesn't seem to be covering anything except my car. THIS IS NOT A BEG FOR MONEY. I don't have the USD, but I have the BTC - plz don't DM offering money.

I only just recently started getting back into ETH (and promptly lost all of my ETH to Axies... live and learn!) and so I'm not super familiar with the lending options. I was familiar with BlockFi from the BTC side of things, but they won't touch mixed coins and my stack has gone through Samourai's Whirlpool. I heard about AAVE on BANKLESS podcast that I started listening to, but before I get too far into the weeds I'd be curious to hear everyone's advice on my options. Essentially, I want to take a fully collateralized loan out on my BTC one way or another, ideally in a way that doesn't trigger capital gains tax in the US. I know that normally a fully collateralized BTC to USD loan is not taxable, but I'm assuming in DeFi I have to somehow get the BTC useable either as WBTC or ETH or something and I suspect that I'll get hit at that conversion point unless I'm mistaken.

Although my BTC is mixed, I don't need to maintain anonymity if that matters. It was mostly just a best-practice thing.

I'll say the disclaimer for all you guys to save the trouble: NOTHING ANYONE SAYS IN REPLY TO THIS MESSAGE IS FINANCIAL ADVICE, I SHALL SEEK THE COUNCIL OF PROFESSIONAL ACCOUNTANTS AND FINANCIAL ADVISORS WHO MAY OR MAY NOT HAVE EVER HEARD OF CRYPTO.