Sorry for all caps,did not mean to offend anyone,it's just the way i have always typed and it's easier for me to read(old eyes) BP It seems to be the case that's what I have been doing  for awhile now.Only time the other siblings come to help it's to start problems,they are skilled in that category.I'm stupid on terminology of mtg and mil as far as what it means,.

Low skill work even homeowners can do.

Is it because of something like medical bills or school loans  that may have happened in the distant past or is it low because they have been late or don't pay utilities?

I live in the Medical Centre area and had the water touching the bottom of my door.

Hi Quinton,This may or may not be applicable to you, but if by "unemployed" you mean "on temporary disability, but my job is waiting for me when I get better, and we have an estimated return to work date," than this would be a scenario where ADA trumps ATR and you can still get a traditional mortgage.Fannie guideline on long-term/permanent disability, on social security disability, and on what may be applicable to you: "temporary leave income," which includes short term medical disabilities.For that last one:Just like women/men on maternity/paternity/pregnant leave, a gap between temporarily reduced income due to medical condition, and your normal income, can be made up for using asset depletion.

There is a medical office unit for sale in my area.

The leads are easy to get , it's finding the owner & closing the deal that takes "SKILL & TIME" !!!   

I have a Medical Savings Account through my employment (it covers me and my wife).

Now that I have begun researching real estate investing, my interest in home rehabbing has only grown and I could say Im willing to leave the safety of my welding job in order to gain the skills and knowledge of the contractor field.  

Should I have worked on finding the deal myself and developed those skills?