In the past, I advised this, but didn't verify it, and when disaster strikes, literally, the tenants will expect you to pay for the things that their insurance policy should cover.

@Theresa HarrisMy Evil neighbor strikes back again.Her claim is that my tenant's car ended up making a minor scratch onto her tenant's car in the opposite driveway.

WikipediaLow disaster risk - When a tornado or other natural disaster strikes a city, it destroys the entire community, including jobs, shopping, retail, and everything.

It strikes me that you're borrowing at 9% to pay down money that you're only paying 5% on, so how does that help you save interest? 

Our goal is to build financial wealth (and I have ethical issues with doing that through medicine exclusively) however my question is in our situation, does it make more sense to use our surplus income to invest along side investors who do this full time or is it still worth it to strike out on our own one day try to replace over 500k income annually that would eventually be passive

The option strike price would be around $400k below “market value” based on comps I pulled that sold back when rates were around 7%.

If you strike a deal, stick to it.

It just cracks me up, and strikes a nerve.I also think BP is a very valid place to network.  

It also strikes me that just buying the property isn't enough.

As excited as you might be to jump into investing, it's essential to have a safety net and a plan, especially with a family depending on you.Given your current financial position and responsibilities, my suggestion would be to strike a balance.