@Brian Cowan  Richards point is signing a mortgage application with any false info on it is mortgage fraud end of discussion.there are many many RMLO sitting in prison right now for helping their borrowers doctor their finance's  keep that in mind.Now my commercial loans at my commercial bank do not show on my credit.. but they are construction loans... custom LOC's for buying distressed assets..

If you are buying a house for $118K, you are not going to be renting it to Doctors or Lawyers with fantastic credit.  

I also have two little kids (5 and 2) and would love to have more flexibility when it comes to them -- volunteering in their classrooms, taking them to the doctor, staying home with them when they're sick.And here's a weird little tidbit: The doctor who treats me for anxiety thinks leaving teaching and becoming a full-time REI would be great for me and my mental health.

They are not on section 8 and trying to game the system every which way they can except using our emergency rooms as there every day doctor.

What other industry is in every neighborhood of the entire country, that takes their wages and spends them at the local stores, hair salons, insurance offices, doctors, dentists, small and large stores? 

Medical Office is a good niche, as doctors really put a lot of money into building out their suites, and therefore tend to be long term, dependable leases

The only way Id probably go for the other applicant is if they showed bank statements showing how much they make and even that can be doctored.

Worth her price to make sure I set it up properly (hiring, regulations, design of home, marketing, services, pricing, budget, help during rehab to upscale the previous owners work, etc) and would prefer someone locally who can help me network with LTC facilities, hospices, social workers, doctors, etc to keep a steady flow of residents (placement services like www.aplaceformom.com are expensive.).  

Doctor never billed my mom again once my dad died for normal visits, vaccinations.  

In the end, just like doctors, lawyers are just people and sometimes their judgement gets mired after seeing too many exceptions to the rule.