Hi Quinton,This may or may not be applicable to you, but if by "unemployed" you mean "on temporary disability, but my job is waiting for me when I get better, and we have an estimated return to work date," than this would be a scenario where ADA trumps ATR and you can still get a traditional mortgage.Fannie guideline on long-term/permanent disability, on social security disability, and on what may be applicable to you: "temporary leave income," which includes short term medical disabilities.For that last one:Just like women/men on maternity/paternity/pregnant leave, a gap between temporarily reduced income due to medical condition, and your normal income, can be made up for using asset depletion.

There is a medical office unit for sale in my area.

yes, i am well aware to the specific performance procedure, i didnt know that it will cost me only 2 lawyer hours.. i think that is the route im gonna go with cause my research didnt yield more creative options.thank you all for your comments!

I have a Medical Savings Account through my employment (it covers me and my wife).

I'm in healthcare administration and I'm also adjunct faculty at a medical school. 

I have a few single family home rentals in the area as well.1) How does this affect the procedure on rent?

Yeah you can spend $3K and get a new car or fix it, but can you afford the medical bills of the people who get devastated in the crash?

I'm medically retired now.  

I am in a medical field for several years so doing real estate is something completely foreign to me but I like the thrill of doing something I haven't done before and I think this is something I see myself doing for a while.

The state is in a recession right now (though the medical/healthcare industry which you are in is doing great) so that means job loss and population decline.