I'm not in health care but I know a lot of people who are and have been very successful in real estate.

I've included an example below to help illustrate this.So different lenders have different rates (which do vary even for DSCR loans) but these are factors they all consider.See example below:DSCR < 1Principal + Interest = $1,700Taxes = $350Insurance = $100Association Dues = $50Total PITIA = $2200Rent = $2000DSCR = Rent/PITIA = 2000/2200 = 0.91Since the DSCR is 0.91, we know the expenses are greater than the income of the property.DSCR >1Principal + Interest = $1,500Taxes = $250Insurance = $100Association Dues = $25Total PITIA = $1875Rent = $2300DSCR = Rent/PITIA = 2300/1875 = 1.23Lender terms and fees vary widely. 

My annual rents / loan amount for recently (within the last 2 years) refinanced property is roughly 10% which may be a better indicator of 'health' of the rental.  

I not sure if I should retire and work part time I’m only 40 years old but I would have to move to Europe since health care is so expensive.

How do you go about having health insurance since you don’t have the benefits from your job?

Once you quit your 9-5, what about health insurance coverage??

Is it legal to require health insurance, in light of COVID 19?

I am in a completely unrelated field (health care) but many of us have second jobs for additional income, including myself, so RE is just a third stream of income and everyone understands (or probably doesn't care).  

In 2021 I had a very big health situation get resolved.

Tenant further agrees to maintain proper medical records, and required treatment for ESA NAME to ensure that he is in good health and not a danger, or nuisance, to any occupants of the household, visitors and neighbors.