It's not common that's for sure.

Then a separate area that must be addressed in wealth preservation is estate planning that people commonly will think of as a living will / trust.

This is very common in this area -- people buy property and build a shop with an apartment. 

If not, have the borrower (Not you) ask the servicer for a loan mod package.There isn't a lot of strategy to employ here based on your original post.

Those of you who are full-time investors, or self-employed real estate professionals, what do you do for healthcare once you leave full-time work? 

Is this common for investment properties?

This is common, there are usually some justified reasons to get tenants out such as a major remodel or if you plan to live in the unit yourself, however you should have read the rent control rules and had a plan in place before purchasing the property. 

Do they verify employment and income as well?

Are there commonly utilized Lawyers & Accountants that specialize in these things used by the BP community?

One of our favorite strategies that many of our clients employ is a bit of a mix between your Bulk and Sprint.