Would it be alright to ask tenants to either smoke recreationally only in the back yard unless they are using a vaporizer [or have a medical problem that would make going outside to medicate difficult]?

Same way you don't necessarily mind bankruptcy as a result of healthcare/medical expenses.

, I was medically discharged from the military.  

Many with a High School or an Associates degree believe they have a Doctorate Degree.

You are in the same boat as many doctors, lawyers, and other professionals.

Hello everyone,My name is Chris and I am a new investor currently in Livermore, California and work in the medical field.

In other words, if this person has 40 rental properties that are underwater, the bank isn't going to want to loan on a personal residence, even if the guy is a doctor with great W2 income.It sounds like the stuff they're asking for is pretty typical - but if you don't think so why not just go with another lender?

You can attract dentists and doctors that way too, but will require some remodel

Remember you don't have to own a property to control it.Working in the medical profession you are sitting on all the $ you will need.Good LuckPaul

I look at it much like someone having a car accident and going to the hospital, doesn't mean the hospital or doctor doesn't send them a bill, as that is expected :).