The 'house' (not the ranch) was Nikki's following their first divorce. However, she put that, plus her half of their joint commmunity assets up for collateral when she took out the loan for NVP. Then, when Victor called in the loan, she lost it all to him because she could not repay on HIS time schedule. It was all of that plus NVP she lost to him. He was purposely trying to break her financially...and, he did...until the judge ordered a big settlement from Victor, plus Nikki won the Clear Springs law suit against Victor. So, she is probably just as well off. The house that Nikki and Chow are living in belongs to Sharon which she was given in her settlement with Nick. Victor gave Nick the place when they got married. So, Victor really has no say about that - Sharon does.