Sasan, I have a client in Lawrenceville, GA that developed and owns/operates a very successful assisted living/memory care facility.

Is it because of something like medical bills or school loans  that may have happened in the distant past or is it low because they have been late or don't pay utilities?

I live in the Medical Centre area and had the water touching the bottom of my door.

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.

If I can not get access to the property, I will assume anything built before 1982 will contain asbestos/lead in common materials (based on my experience there's a 90% chance this is the case).I believe Texas requires any "contractor" performing ASB abatement to have a license, which means Texas has some regulations established regarding removal & disposal.In California, if you are the property owner you can perform the removal/abatement yourself (assuming SFR), the only requirement is that the asbestos waste be bagged up & taken to a designated facility (in my case in Santa Barbara there is a facility at UCSB where homeowners can take the waste at no/minimal charge). 

If there is not a shared laundry facility that is easy for the tenants to access, then I would suggest adding them to the unit. 

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

BP - My reasons behind writing this post are to track my own progress, get other peoples best practices, and give updates along the way so we can all learn.I am doing my first direct mail campaign focused on self storage facilities in Minnesota.  

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