It was a medical bill that was sent to my old address after a hospital stay.

If you want to capture students as tenants, I'd suggest looking around the medical center:  older students, more career-minded and graduate focused.  

I have a wife, three kids, work 4 days a month as a medic per-diem, little money, no credentials and four properties... working on more.  

On the other hand, areas like Sugar Land and Pearland have been less affected due to their accessibility to the medical center.  

From the research I've done, it seems there is a frenzy in the "big" markets like LA, NYC, etc that has pushed cap rates on fancy Class A buildings to ridiculously low levels, while the "secondary" and "tertiary" markets have far better deals out there if you really want to make cashflow.This seems odd to me.

We have had great success with grad students, UGA employees and other young professionals around the new Medical school and Athens Regional Medical Center (ARMC/ Cobb/Hamm/Hill Historic, Normaltown) and also the Prince/Boulevard Downtown corridors.

The note guy I'd chosen has had to deal with some very seriously medical issues recently.

The tenants are a small medical business that have been there for 10+ years on a series of 2-3 year NNN leases.

Secondary and tertiary markets won't have the same volatility, so for more stable values you should consider looking outside major metros. 

I do not have that type of experience but I am effected by my physical condition and not having the ability to go to work because of some medical issues I have.