Hi Gina, this dream is indeed about what you described above. Yes, if the waves were blue and white it does change the meaning. Black is a very negative color with negative meanings. Blue and white are both positive colors.
Because of the emotions in the dream, I am convinced that it was an emotional restoration dream (you being terrified). The dream was merely a representation of your emotions. So yes, in this case (emotional restoration), the dream does not appear as fragile and as dangerous as it initially looked, although some of your fears in the dream are still a reality and valid (orca and the condition of the house).
It is important to remember that we always need to be led by The Holy Spirit and not by dreams and visions. It is only to be regarded as an aid. It helps us but we have to be led by God (Holy Spirit). You will have to make your business decisions like you always have made them before the unfortunate incident that caused you to lose a lot of money. Don’t allow your fears to become a stumbling block in this regard. The most important thing is that you need to be led by the Holy Spirit when it comes to business decisions. Remember not to make a move if you do not experience peace in your heart.