For example, my wife and I are both doctors and there is a bank offering a physician loan for up to $1mil with no money down.

I spoke with a lender today who recommended that my wife and I use a medical professional loan (0% down, no PMI, ARM 5 yr at 4.75% or 7 yr at 5%) to acquire the property.

I have been working for 9 years my credit score is about 775 I'm on a medical leave right now so I'm not able to show income but I have so much equity in all three homes do you think I could get a portfolio loan for just my rentals I don't really want to add my primary in it unless I have to or what other options do I have since I'm not a w2 worker right now.

Currently living with a family member it got that bad along with my credit shooting to 497 from all the medical bills.

For me, I am still finding the occasional solid rental property in various pockets of town like Barnum and in Aurora near the Anschutz medical campus.

But I need extra income in order for me to be able to afford my own place my kids can come visit before you all start bad-mouthing me please understand my situation I love my kids I pay for my kids they have my health insurance I pay my child support every month of $2,100 I pay 80% of out-of-pocket expense for medical and schooling I do everything I can for them and I just can't afford to live anymore but I need extra in come please help

But assuming your an only child with just your mother surviving, and it’s rental she’s willing to pay the extra taxes on, or her primary and she has somewhere else to live and she won’t need any medical or government assistance in the foreseeable future…get both your tax guys and probably a lawyer in the same room BEFORE you do anything. 

Almost immediately the tenant in the basement started complaining about noise from thier unpacking, her cat and dog making noises, and marijuana smoke (which she has for medical purposes).

My scores are in the mid 600's but I owe Federal Taxes that I am making $500.00 a month payments on and collection medical bills that I am being garnished from, I was turned down! 

You don't want medical advice from the fry guy at McDonald's, so make sure you are getting correct lending advice from an actual loan officer.