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.

You can specify the coverage level for the dwelling, household furnishings, loss of use, liability, and medical payments to others.

We also used Sarah's shopping list to help us furnish them properly for medical travelers; she has great suggestions with links to the best prices.

I do not provide medical interventions for mental health problems.

No matter where you choose to move, you are perfectly set up (if the money works) to house hack with your wife in one unit of a two-family and then to mid-term rent the other unit because of your medical connections.

We also beautified the exterior, fixed the roof, have now rented the bottom unit to a medium term tenant as Albany Medical Center is a 5 minute walk away.

But the idea of asset protection is to not pay out and not let plaintiff’s be able to exercise a judgment against you.

This should eliminate the homeowner (1) selling a property while remaining liable for the note (subject to), (2) tying  up his property with a “buyer” who has no intent to close unless he finds someone to pay a higher price (wholesaler), (3) paying above market rental for an option to buy that can never be exercised (4) purchasing a property from a fix n flipper who did shoddy rehab, (5) purchasing a property with nebulous legal title, (6) contracting for home improvement with a fly by night contractor who then puts a mechanics lien on the property and (7) “listing” with a wholesaler disguised as a Realtor who doesn’t put the home on MLS. 

I am located in the Charlotte area and would agree about the presence of our financial sector but also medical is a huge industry as well.If your outlook is 10 years then going with either option will prove fruitful.

Someone is making medical decisions for them, so they should have the legal control over their finances to make sure bills are being paid.