Also, think about a longer STR to start if it will carry you - like a 13 week rotating nurse or others who need to be in your area for a month or two.

My (RE agent) friend at the time gave me a heads up on the owner needing to go to a nursing home. 

So here's the problem; I'm a merchant mariner and my girlfriend is a travel nurse. 

A couple questions I brought up was how can we protect it for them loosing to insurance companies or medical (nursing home) with declining health?

The office unit is currently 1700 sq ft of built out medical office space.  5 exam rooms, all with sinks and cabinets, two nursing stations, with sinks and cabinets, waiting room, administrative/check in area, large provider's office, large handicapped bathroom, handicapped ramp, plus a very large room with half bath on the second floor, that could be used as administrative space, or office space or staff break room. 

However since they are older  what if one or both must go into a nursing home but cannot afford the $7K a month or more? 

Many times, especially with people that died in a nursing home, they owe the state a lot of money and that all has to be settled.

I am actually going to school for nursing but I am a bit obsessed with real estate.

Currently I am a registered nurse working in the neuroscience ICU.

These might attract less affluent white collar tenant, such as nurses, new doctors, new lawyers and accountants.