I actually rent two of my duplex units in what I call Mid Term Rentals, 30 days minimum fully furnished all bills paid.There is a website FurnishFinders.com that markets to medical professionals.  

Most of our guests are travel medical professionals so places like ours are in high demand in our area.

Student loan and/or medical debt?

That's why people pay so much to become doctors and lawyers or invest a million to own a McDonalds.

I'm not saying she was injured by stupidly trying to carry bulky furniture and dropped it on herself but where do doctors get off telling their employees to go after the landlord?

Money returned.You don't go to a salesman for medical advice.

With the refi money, you technically would free up some monthly cash flow by not having the medical/car payments.

@Odester Whitiker research which local medical building users are leasing older buildings and contact them.

That sounds like a silly example, but imagine if doctors were 100% commission and also responsible for bringing business in the door and referral fees were illegal...

Now there can be exceptions where someone has not much liquid after down payment or lower net worth but property is very strong with tenant quality and location or if LTV is below 50% then lenders sometimes perceive less risk.Also you could have situation where current reserves and net worth is light but is a doctor making 800k a year and lot's of free cash flow so lender still likes to do the loan with personal guarantee.