There's definitely a market for MTR here in Houston, particularly with the Texas Medical Center here along with other major businesses.

On paper, a restaurant manager with a 740, may appear stable, but is it more stable than say a medical tech in healthcare with a 640, with less or equal time on their jobs?

You’re looking at medical type office usage.4.  

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. 

Were you in school or training, or out for medical reasons.

They probably actually have less debt than most other people, so it is easier for them to make rent payments.The vast majority of bankruptcies are medically related.They have been "through the system" and they don't want to go through that again.

Around the Medical Center works for many families needed unspecified amount of time.

An MTR market at Janesville would work well with the larger medical community here and in Madison, (Traveling nurses!)

Quote from @Neil Quinlan: Thank you and yes I am vested with my department thankfully and have 15 years until medical is paid.

Long-term rentals are a solid choice, but mid-term rentals in medical hubs (like yours) can offer strong cash flow with less turnover.