I don't see any other way of getting a passive income with such relativley low risk and "passivity" as with real estate, while soon I won't be able to work and my medical condition is not in the books to get any kind of disability and I'm not even 40 years old.

It is possible for someone to have a "life event" (medical situation, divorce, etc) which has a pronounced, but short term, impact on their credit score, however their credit history indicates a more fiscally responsible behaviour over the longer term.From a credit history, you can typically distinguish between a one-time "life event" and a pattern of poor fiscal behaviour.My second suggestion would be to use a "guarantor" rather than a co-signatory to the lease (aka co-signer).  

Howdy BP,I’d be so grateful if I could get y’alls advice on a commercial condo space that I’m looking at for my wife’s medical practice in Conroe, TX (north Houston).Total square footage of unit is 2400 sqft.

I have a friend in Utah who does locums for the medical field. 

Medical bills, you will have to pay, negotiate a buy out with them, or declare bankruptcy. 

.#2   Get a small commercial medical office or something, I can get one that will generate positive cash flow for 3-5 years, but it's scary to think about what can happen after. 

I'm looking at a medical & legal office building for a commercial purchase. 

When you look at their credit report, it shows they have car loans, student loans, medical debt, and other monthly debts that add up to $5,000 a month, which is a 50% DTI.

I am a medic in this great Army lol.

This is part of the real estate game I know very little about.So I have a good friend who is an anesthesiologist in Brazil, and he may be going to Warren Alpert Medical School at Brown University in Providence, RI to do another residency for the next few years.