Remember that tools are an investment that pay you back, not like a dinner out or a fur coat.
To get to 100K/yr, look at 5 years.
A website and Google reviews will get the phone ringing for minimal cost, especially the reviews.
A balanced business is a healthy business - resi, storefront, commercial all have their place and purpose.
If you decide to go WFP, hit me up and we can get you setup for less than $1K.