Quote from @Josh Ball: Quote from @Jonathan Greene: Smokers aren't a protected class, but they could argue that whatever the underlying "medical" issue for the card could be part of one.

This is not a one size fits all answer, but bad debt is non-asset based or depreciating assets - , credit cards, medical, buying dumb stuff.Good debt is debt used to make or grow your portfolio. 

"Both have fields of fertile land.

From internet search/Turbo Tenant:  'In certain instances, breaking a lease in California due to a medical condition might be possible.

I've got a mixed use building with a vacant 5200 sg ft. medical space on the first floor.

In the past 10 years, Ocala has greatly improved the employment base, adding tons of logistics and distribution jobs on top of the medical, service and equestrian jobs that we have always had. 

In Philadelphia the fundamentals are strong: leading industries/employers are in the Education and Medical fields which are known to be stable, proximity to NYC and DC, national airport, port city, affordability compared to mid-atlantic predecessors.

Assume you never met them at the property, and fielded 1 phone call from them.

Given my experience in the field (5 years) not much but still counts right?

Background on me: I need to obtain a graduate degree for promotion at work, but it can be in any field at low-no cost to myself.