Without specific examples no one is going to be able to answer those questions because everything is at the interpretation of the IRS according to tax law. 

What is incorrect is your interpretation of it.They are talking about physicians having multiple unrelated employers.

The SEC's legalese can be a bit difficult to parse, and these two both have a lot of content out there interpreting the SEC's regulations.

Of course, if there's a value add potential then that is the reverse of #2 but you're running toward cap ex exposure for the sake of forced appreciation.I would interpret "makes sense" as "what makes sense to you given your strengths and preferences. 

There seems to be mass confusion (even in the court system) regarding these moratoruims and different magistrates have different interpretations and some are more landlord friendly and others more tenant friendly so you might get lucky but you might also just waste your filing/attorney fees.

Solely to the extent necessary to prevent interest under this Note from exceeding the Maximum Legal Rate, Borrower agrees that any amount that would be treated as excessive under a final judicial interpretation of applicable law shall be deemed to have been a mistake and automatically canceled, and, if received by the Bank, shall be refunded to Borrower, without interest.Default Rate.

@Michael RichardsonLike most others posting in this thread, I am not a tax professional and suggest you seek guidance from a professional more qualified on the matter before taking action.Having said that, my personal understanding of how the tax code would apply to your situation is as @Shawn Couch described his interpretation. 

You need to know how to interpret that data.  

If $60K is where you have to be, you are most likely looking at MidWest / KC area from my interpretation of other folks on the forum.

I know I should talk with a CPA, but I'm curious what you're thinking is on that. by understanding how your taxes are interpreted by lenders and banks you will know how to "strategically," file them by either maximizing deductions, forgoing deductions, and or deferring certain deductions may allow you to maximize your ability to qualify for what you need going into the next year(s) while still giving you optimal tax reduction.