My vacation home I bought last year, I don't really like the loan bc its 4.375% and basically the tenant is the son of a family friend in medical school so he will be there for a few more years which is great for me.

I have medical degree and post grad degree public health !!

I think most of these large shell spaces like the 100,000+ SF buildings will be converted into call centers, climate controlled storage and possibly medical centers or schools.

Desire.Totally agree but always like to make the following point:I know this is contrary to popular belief, but the ROI for surgeons and medical professionals (17% ROI) is actually significantly lower than for MBAs (27% ROI).This is because of foregone wages, foregone 401K contributions/matching, foregone investing and because of very large student loan balances. 

The renters in the former work for a local wholesaler beverage distributor and the latter is a medical college student.

The bad credit scares me but this may be to medical bills.  

And let's not forget medical bills that go straight to collections without even giving a person a chance to pay it first. 

I also work at a medical clinic doing pre-employment drug screens for the refinery and other industry. 

There have been several here at BP who have stated that when they provide an applicant with a form to take to their medical provider to state the need for an ESA, the entire idea of this falls through the cracks like a marshmallow melting in the heat.While it is easy to purchase one of those fake "ESA certificates" online a landlord does NOT have to accept this as either adequate or accurate evidence that the animal in question is, in fact, an Emotional Support Animal.  

I️ work as a medic/firefighter and have my real estate business on the side.