They are covering cost of insurance, taxes, utilities and all medical expenses which are rapidly draining their available funds.

During Covid I worked for a Medical Travel company so i would highly suggest with your knowledge to use that in your benefit.

The medical traveler wants to work at the local hospital.

FF does better if near any major medical facilities.

Told this story here before, we bought a property where the seller had been in a bar fight and had a judgement for medical injuries from the other person in the bar fight. 

In other words, if there was a broken leg on your property that resulted in $250,000 in medical, lost wages, and pain & suffering, if there was gross negligence on your part, the total judgement could be $1.25 million, and worse, your insurance company could deny it.So what constitutes gross negligence? 

#4 in your top list never ceases to amaze me.

I'm older and need to build up my financial security knowing that I have a lot of future medical bills that are coming my way(multiple sclerosis).I look forward to chatting with you.

He's just like "I make $300K per year from my medical profession job, I'm going to make my life simple and aggressively pay down the mortgage, then do it one more time on another property, and that's it - early retirement." 

Credit scores are tricky because there could be items like medical debt or student loan debt that weighs the score down.