I never considered unreal engine because it is based on UDK, which was a FPS clone generator. I may have found a way to solve the problem with Stride (presently waiting on a reply from Stride's dev community), but if that falls through then I will take a closer look at Unreal. Thanks for the suggestion.
'game assets for income' If that is a real possible thing, I would definitely be interested. But, that bumps into the problem of the time it takes. This is not a hobby for me, I have been putting all my time and energy into starting a game development project for years. The engines I listed in my original post are only a few compared to how many I have poured weeks or even months into learning, to then only discover they are dead ends for one reason or another. I spun my wheels in Unity for like 4 years before I realized why that was never going to work out. That's why this has been so extremely frustrating for me. I've never had the time to explore other options because this is the only option I've been able to find and it has taken everything out of me and I'm still at square one. All I need is a damn chance. If I could just find something that can give me a chance, I'll stop at nothing to make the most of it.