I make the home look like someone is there (bring in the mail and paper, turn lights on and off and such) and I walk, feed, medicate, clean up after their pets.  

Is the poor credit as a result of medical bills, student loans, consumer debt, losing an owned home, or something worse?  

If so, it looks like you'll take your standard deduction and personal exemption and pay only state and federal income tax. 

Are you saying that the medical bills would be higher than the equity?

So, believe me, you do not want to go there if you are not exempt, might ask your attorney.

The reason it's such a huge issue in Africa is because of their medical facilities being so far behind ours as well as their own religious practices.

Today, I rent the unit furnished for $900/month to medical students.

Here are the numbers, let me know what you think. 100% bank financing140k property (both buildings)40k construction (rolling into one note)20 year term @6.252 bed 1 bath units3496 sq ftBuilt 1900Property is in C/C+ neighborhood 2 blocks from a university and medical school.

Rent control exemption.

If I were you, I'd pay the medical bills.