i am married, my wife  [ 60 y/o ] is also disabled due to no kidneys and is on Home Hemo Dialysis, but she spends hours everyday looking through real estate , and though we have found several great oppurtunities, we have no been able to capitalise on them due to out low income and crummy credit ,  [although when i moved here i had 621 score until when I tried to refi through Loan Depot, they really messed me up and I am not sure what my score is now.]I think the first thing I need to do is repair my credit as best as I can, as well as see what kind of assets and value I have to help me get the investing process going. [ kinda long story packed with lessons there]  Due to a small windfall we have $5,000 earmarked for beginning real estate investing in hopes of getting our of our crushing poverty trench.I want to begin by doing non rehab wholesaling,  but am also wondering if Tax Lien investing might allow me more bang for my few bucks. 

That is, playing defense when it comes to money might not sound all that sexy, but I bet there are 10,000-20,000 investors who would have given their kidney to not have lost their shirts in 2008. 

However, you might have to sell a kidney or several pints of plasma to afford the Pex fittings.

So, some of your issues could be patched with a bandaid for a tenant, instead of a total kidney transplant. 

Renal income is tough since you only have 2 kidneys.

If you need to pay for a new kidney....These are legitimate reasons to sell and pay the tax.Tell him to stick to filing out 1040s. 

Kidney issues, liver issues, etc.

Also read about the remdesivir "medication" protocols in hospitals that literally shuts down kidneys and floods lungs with fluid because the kidneys are no longer working.

They even have sugar free candy (for diabetics) and chocolate free candy (for people with kidney problems).

All of this is predicated on you spending less than you take home, and you find debt more distasteful than kidney stones.