Yet they think a widow like me, should be able to live on $38,500 and I have to provide my own medical insurance.  

I have bad credit; some old medical bills, one bad credit card and some student loans as well.

At least out of all the "mainstream" gurus that mass buy ads on social media platforms and spend a ton on advertising. 

Remember it’s also evil and greedy to make more than teachers and only fat cats have defined pensions and all inclusive medical care.

., or do you need to set up strict rules in advance for the credit report (i.e. up to $500 unpaid medical bills allowed, no bankruptcies, no child support in arrears) and not deviate from that?

I worked in bio-medical engineering for a number of years, position stated that a degree was required, I didn't have one, and for all the years I held that job I made more than most of my peers - peers that all had degrees mind you.Degrees are a piece of paper that says you're capable of passing a slew of tests - doesn't mean you'll have a high paying career, or that you can even hold a job for that matter.There are plenty of very wealthy people without degrees - it is not a requirement to have a degree in order to be wealthy.

If you're looking for potential, the University at Buffalo is currently developing a new medical center/campus in downtown Buffalo.

Maybe I'm too left brained, and I'm no doctor, but it sounds like talking to a medical professional about a possible anxiety disorder is required. 

I built a medical office in an approved location and that process alone took 4 years. 

You should look at speaking with each tenant and seeing if they are interested and if they are that would help solve the negative cash flow issue by now having a chunk of the leasees downpayment to cover any payouts that you have.This is HUGE in todays market with so many people getting their credit dinged for FORECLOSURE of MEDICAL or late credit cards.