I am a resident physician, wife medical student.

Add in late fee or discount for prompt payment whatver works best for your local area.But this depends what the bankruptcy is ...it's scary how a medical emergency can bankrupt so many people in this country.

Many of my clients are medical doctors and they also come with large student loan debt - which is really an investment you made in you and your future (the best kind of investment!) 

My father sold the Note and became the "bank" back in 2012 to generate income to pay for medical expenses.

Depending on your age and health, I would get a higher deductible plan and open a HSA to cover medical expenses down the road.

I am a student in the undergraduate real estate program at the University of North Texas working a project to increase the profitability of a medical office building in Dallas, Tx. 

Like alot of things in life it easy to make excuses why you shouldn't do something or should wait to start something until later (investing, dieting, exercising).  

Or maybe that's negotiable.Lease-Option\on-To-Buy (some call it Right of First Refusal) : this is at any time or specified times for a specified price a tenant can exercise an option to buy the property.

Its like picking a doctor I know nothing about medical so what's "good".

As far as the purchase itself, from a buyer side perspective be prepared that even an approved short sale will still take a little while to get re-approved for a new buyer, so you'll have to exercise some patience.