I don't come from money and had credit card debt/medical debt when I started.

We also currently have an LLC set up for our short term rental operations which we have been already running out of our spare room in our home which will cease when we rent it out.

Also research rental demand, particularly from traveling professionals, students, and medical staff. 

The property management side, realty medics, could use a tune up as well. 3 day notice not posted until the 17th after me hounding them.

My thoughts: East Bay:- Close to a BART station to traveling medical worker/corporate person could hop on a bus/BART to work: El Cerrito, San Leandro, Hayward, Fremont, Walnut Creek, Pleasant Hill, Concord, Dublin, Pleasanton- Maybe Richmond, Antioch and Pittsburg but some parts have a lot of crime. - Going further out Brentwood and Oakley have appreciated quite a bit and have pretty good schools- Something with potential to add value: ADU attached to the main house or separately in the backyard in the future to get additional rent.

I really need help refining these ideas into something that is workable, and of course none of this is workable if we can't get a DSCR loan, which she's worried about.Between dealing with the symptoms of the stroke, trying to apply for workers comp and medical retirement, worrying about her sick time running out, and worrying about how she's going to replace her income she really can't deal with this, and I'm pretty stressed too.

I am a busy medical professional and don't have the time to try and find off market deals and also don't have the time to constantly peruse the MLS looking for deals.

A robust medical community also. 50%+ of the population here are renters. 

I do have those who show up stating “but my cats are clean” or “it was only one eviction” which I just say no, but I’ve also had those who may be slightly off income but have a qualified co-signer, or a lower credit score but it was for a medical bill or student loan, and they worked out well.

Medical/physician programs are typically best for primary or investment purchases..check in with @Joseph Chiofalo he is a national lender and refinance savant that's worked closely with me for over two decades.