Increasing down payment increases cash flow.I had a gut feeling (better see a doctor)Landlord at eviction hearing with tenant 6 months in arrears of rent....Adjudicator: why did you wait so long to act ? 

@William White This is a conversation I have with folks in the medical field several times each week.

If I refinance I need to pull out about $100K for the Colo Springs downpayment and pay some medical bills.

It's an A property that will cash flow 1k a month (3.25% interest rate bought at the bottom of the market as a short sale) that we should be able to keep rented with Doctors and Nurses.  

@Steven Kleppin If someone were to get lead poisoning living in the building you would be liable for the medical bills & all other costs associated.

Currently on a job contract in Maui, HI (Medical Traveler).

Medical bills, foreclosures, not so much as long as they did not run up their credit cards at the same time, or since. google and other sites turn up interesting info at times, but you need to be sure it is your subject.Another factor that I am convinced improves my odds is the fact I am always very upfront with prospective Tenants, at showings, in response to emails/phone calls, and in person when we ALL sit down to review and sign the Rental Agreement.

The business pays for car and truck maintenance, gas, insurance, health insurance, doctors bills, fancy steak dinners once a month(corporate meetings) and some regular meetings with clients throughout the month.If you have a high paying job, you will not want this type of situation.

Some of the things you need to insure:- Liability (I recommend maxing this - $500,000 is max in most of our carriers but some go to $1mm)- Medical Payments (Pays w/out determining fault - most carriers will max out at $5,000 but some go higher) - Building (may be under Improvements & Betterments or Additions & Alterations). 

Property is located in the Medical Center area of Houston Texas.