Unfortunately the military medically retired me.

I have no money saved as I have expenses, (I am trying to cut back), and past medical issues that ran m y credit to 630.

My tenants are, typically, class A tenants though... medical students, law students, etc.

Cap rates for quality are generally 7 to 8 range for medical office.

For example, you can deduct certain medical expenses in NJ, but not in Pennsylvania, but in Pennsylvania you can deduct unreimbursed business expenses, but not in Texas, because there is NO income tax in Texas.Jim Kennedy CPA 

I disregard student loans and medical debt.

There is a lot of the retail sector doing great right now (auto stores, Davita dialysis, most medical, grocery store, dollar store, some QSR with drive thru, etc.)  

One doesn't have to stick to MFH, it could be MHP, storage, medical offices and so forth. 2) Passive income doesn't have to come from real estate alone.

@Sharron Martin I just want to say that I'm so sorry to hear about your divorce and your medical issue.

One of the dangers of listening to a lot of personal finance advise shows is that you get conflicting advice, the advisor doesn't have experience with the personal issues you are facing (like pregnant wife/girlfriend, child with medical issues, irregular income, job might go on strike, etc...), or they really need to sell you something to pay their bills.