Doctors are a great example 

Recently after some medical issues(I’m all good now) I’ve exhausted all my reserve funds and have 50k in high interest debt.

This is all changing very soon with the construction of the Foulger Pratt's new "WestEnd Alexandria" Landmark mall redevelopment, a new 4 million square foot mixed-use redevelopment, including a new 1.1 million square foot Inova medical center already starting, with completion set for 2028.The development notably won the Red Clay Development of the Year award.On top of the +2,000 healthcare worker jobs the development will immediately bring to the area upon completion, the 120,000 square feet of office space will also bring a large number of jobs to the west end of Alexandria.

Oh, and that person is probably authorizing checks from a business account with much deeper pockets than any traveling medical professional.

There are also other ways to use money from an IRA without tax penalties such as for a primary residence or medical expense. just know what you're getting into and the best ways to avoid the tax.

Pick up one mid to LT rental in a high medical community outside of my current market.I have always been afraid to leave my current market and I want 2025 to be the year I get over the fear.Be more involved in economic development in my current market. 

We had 4 yrs of college, 4 yrs of medical schools, 6 yrs of residency, 2 yrs of fellowship.

Financing provided through this program is only available for properties located in Michigan or Florida.Available Product Type: SOFR 7/6 ARM, SOFR 10/6 ARMLoan Amount: $766,550 MaximumLTV: Purchase and No Cash Out Refinance - Maximum 99%Prepayment Penalty: NoneLoan Assumption: NoneEligible Properties: 1-unit dwellings, attached and detached condominiums, PUDsEscrow: An escrow account must be established for property taxes, and flood insurance, if requiredUnderwritingNo Private Mortgage InsuranceOccupancy – Primary residencesMinimum Credit Score - 700DTI – Max 43% (UW/Mgmt exceptions up to 50% with minimum 3 documented compensating factors)Student Loans – If in deferment, no qualifying payment requiredDown payment of 1% must be borrower’s own funds, while closing costs and prepaids may be gift fundsAttached condominiums require a 10% down paymentEligible Borrowers – Protect and serve heroes are defined as employees of public or private education institutions, employees of medical and healthcare organizations, all first responders, and active or former military personnel.Servicing: Retained

Also how about STR for the properties close to the KU medical center?

Just like going to a doctor and them saying "this is gonna hurt", you do not like them telling you, but i would rather be told them have them do it and me scream WTF that hurt, why did you not tell me.The other area where people can overcome this is by actually managing the asset and portfolio and showing your investors that.