Then I run credit report and see they both have multiple accounts that went to collection (mostly medical bills) and the man has 2 convictions in 2015, class C misdemeanor for possession of drugs and driving while license invalid.

I'm sorry you had a rough experience with our property management division but your attacks against me are not valid and they are empty claims.

Is there an exclusion that ends up with no coverage for the claim?

Might be time to sync up with an attorney and discuss options as I am assuming this is well beyond the scope of small claims court.  

Or anyone in the medical field??

Both lenders claim these are Fannie/Freddie guidelines and not the result of the an overlay.

Consultants, inspectors, and mentorsProperty managersAssistantsBookkeepers, accountants, and attorneysLandlords if you rent your office spaceYour business partners if you paid them (except if they were strictly lenders)Disclaimer about wholesalers: it is a controversial issue, with some of my colleagues claiming that wholesalers do not need 1099s.

What does this group recommend for a single tenant CRE (occupied since 1983 - not sure if by same medical facility/need to confirm )- that is a medical facility 2 years left on the lease. numbers look good, but I want to get thoughts on if a single tenant CRE is riskier than going for a strip mall with multiple tenants

There is some much to learn that is never taught in college, medical school, nor residency.

I'm not sure what your profession is, but Stanford federal credit union offers 1% down payment options for medical professionals.