Ben, I'm not in New Bern but have toyed with the tiny home idea too. The

A lady on oxygen walks by with her health aide, we say hi, and she goes to the lobby to wait for a ride.

Here is an article worth reading that will help you gain a better understanding of their business model and salaries: https://www.redfin.com/blog/2018/01/how-much-do-redfin-agents-earn.htmlAveraging $90K with health insurance and a multitude of other benefits doesn’t seem to be underpaid in my opinion vs. the industry average of $44K.

She has health issues and will probably let it go into foreclosure.

For purposes of this section, the following terms have the meanings given:(1) "court official" means a judge, referee, court administrator, prosecutor, probation officer, or victim's advocate, whether employed by or under contract with the court, who is authorized to act on behalf of the court;(2) "qualified third party" means a person, acting in an official capacity, who has had in-person contact with the tenant and is:(i) a licensed health care professional operating within the scope of the license;(ii) a domestic abuse advocate, as that term is defined in section 595.02, subdivision 1, paragraph (l); or(iii) a sexual assault counselor, as that term is defined in section 595.02, subdivision 1, paragraph (k);(3) "qualifying document" means:(i) a valid order for protection issued under chapter 518B;(ii) a no contact order currently in effect, issued under section 629.75 or chapter 609;(iii) a writing produced and signed by a court official, acting in an official capacity, documenting that the tenant or authorized occupant is a victim of domestic abuse, as that term is defined under section 518B.01, subdivision 2, criminal sexual conduct, under sections 609.342 to 609.3451, or stalking, as that term is defined under section 609.749, subdivision 1, and naming the perpetrator, if known;(iv) a writing produced and signed by a city, county, state, or tribal law enforcement official, acting in an official capacity, documenting that the tenant or authorized occupant is a victim of domestic abuse, as that term is defined under section 518B.01, subdivision 2, criminal sexual conduct, under sections 609.342 to 609.3451, or stalking, as that term is defined under section 609.749, subdivision 1, and naming the perpetrator, if known; or(v) a statement by a qualified third party, in the following form:STATEMENT BY QUALIFIED THIRD PARTYI, ....................

From Health Care and Commercial spaces to SFR and large MF.

They are currently fighting tooth and nail with the lender to use the last appraisal (the appraiser is an accepted on for the lender) in an effort to keep the deal alive.Just tossing out my opinion from the other side of the table with a low appraisal.

Our systems are good (there is always room for improvement, that Ill concede to).I do agree with your philosophy of having ones cake and eating it too... the day job is good, and Ill keep it... for awhile anyway.

And that is all after working in health care with the very poor.   

The National Health Service Corps, PSLF (as already mentioned above), and other programs are financial no-brainers if you're not picky about where you work for the first couple of years.