Additionally, you have to consider healthcare, vision, dental, etc... 

I come from a background of buying dental offices, and if you don't have 3 years income to compare you cant' really tell how things are going for that particular office.

My wife and I are currently starting out real estate journey. 1.5 years ago we bought a dental practice, and last year we purchased our dental office building priced at around $2M with $500k in equity.

Maybe you love it, maybe it's like dental work, who knows. 

@Wendy JiangBe honest and say no as mold testing is typically only done when there are visual signs of mold and has never been any signs or complaints.There are many factors outside of mold that can contribute to breathing problems.I would offer that if you wish I can order a hygienist to come to teat for toxic mold - but if it’s found to be negative the costs for the testing would be at your expense.

The drawback I have is that it is difficult to pounce on properties that are still selling relatively quickly with the commitments I have  to my patients in my dental practice.  

If you got of law school, medical school, dental school, or grad school, you could still qualify. 

  #1 medical school in the state for primary care and our dental school is top notch. 

I have access to others of like mind that can help me put syndicates together to purchase larger apartments.Outside of real estate, I'm busy as a CFO to a large dental practice that my husband owns that brings in capital for us to invest in RE... and I love taking care of my girls that are 16, 13, and 9 and teaching them all about passive income investing via RE.

My wife and I have purchased the real estate to our dental office and want to see how we can maximize our refinance.