sims 4 - houses are non-residential

I have this bug too, when I load a save all lots are non-residential, my sims are gone, the houses are gone, and it's telling me to "pick somewhere to move in" with no sims and $0. I removed my mod folder and deleted localthumbcache and the only notable change is that when the mod folder is there, sometimes it will instead show a blank worlds screen with no options instead. This appears to be a vanilla bug that does not get fixed.