flowervicsims This was a common issue a few months ago, related to Smart App Control:
[PC] Houses replaced with red X/Win Smart App control feature blocking game | EA Forums - 13095368
It seems to have mostly been resolved since then, but it's also possible that your antivirus is having the same effect. So please check your AV for anything Sims-related, even if you only use Windows Defender. Controlled Folder Access causes problems with the game from time to time.
If your AV isn't the problem, let me know whether your user folder is inside the OneDrive folder. Here's how to find its location:
https://sims4.crinrict.com/eng/2018/07/how-to-find-your-user-folder/