Thankfully, my fiance and I both have very flexible careers (my job is remote and he's a doctor).

Are you selling or leasing to medical staff, retail managers, tradesmen, etc?

And if you pay yourself a management fee, you should be able to setup Solo 401K plan (best for further RE investments) and MERP (medical reimbursement plan - thus shifting medical expenses from personal to business side).

My wife and I own a townhouse in Calvert county but we're looking to purchase a row home in Ridgley's Delight/Pigtown area, as my wife has recently opened a boutique in downtown Baltimore.Our plan is to purchase a 3 br owner occupied rental and rent out the other two rooms, preferably to medical professionals/residents from UMMC. 

You can optimize furnished finder, which is a short-term rental service specifically for traveling medical staff.

Maybe a loan medication is exactly what I am describing, but when I hear the term, I assume it would require extensive documentation and headache and possible credit implications.

For example, a few weeks ago I learnt that some hospital networks provide a 0% down CONVENTIONAL loan program for medical professionals in their system.

I personally do not worry about the decline it has seen as the city is back to thriving from opening a new medical school soon to different projects the city has going on.

Those people earn $250,000 per year plus bonus, fully paid medical, and matching contributions up to maximum allowed for their company sponsored 401K.  

They obviously are not in a medical emergency or a family crisis - because "I'll let you know" pretty much kicks those emergencies to the curb.Let AirBnb know that you will not be authorizing a refund and that the guests are still occupying the property.