My differing advice/thought is if you plan on being a doctor for most of your life, and your goal isn't to replace your income with real estate in the next couple of decades, sacrifice "projected returns" and do your homework on the risk for any deals you evaluate. 

Downside here is you have to pay your 401k back and are limited to the lesser of 50k or half the market value of your 401k.In either of these scenarios, I think you need to evaluate the details as a whole with numbers. 

You would still have time after the two year lease to evaluate and decide if you wanted to sell at that point.

To succeed in hard money lending, know your local market well, value properties accurately, and carefully evaluate borrowers.

I’ll definitely keep this in mind as I evaluate potential investments.

To properly renew a lease with a tenant, several tasks SHOULD be done:1) Evaluate the property to make sure tenant is taking care of it and you want them to stay.2) Do a market analysis of rental rates.3) Determine target rental increase amount4) We present all this to the tenant, as we assume they're looking at rental rates on Zillow, etc.5) We then ask the tenant what adjustment they think is fair and then negotiate rent amount and lease term (we always try to go for 2 years).6) New lease sent electronically to sign.All of this takes time, hence a Renewal Fee.

He explains how to evaluate and purchase.  

You also want to look at the property from an future equity position and evaluate the ARV.

Evaluate the lender's reputation and experience: Choose lenders with a proven track record who have been in business for a while and have reviews/testimonials you can talk to if you like3.

I have heard anecdotes about how doing a quick claim deed later, the county might consider that a sale, and re-evaluate your property taxes.