@Eric Reyes @John Underwood I actually live in Charlotte but all of my portfolio is in Columbia.I use a company called Crawl Space Medic for all of my foundation/termite issues.

I have put a significant amount of my savings into covering medical costs and bills.

Lots of travel nurses and other health professionals at Shands and other medical facilities

@Rolando Reyes Jr Cap rates (8%+)Affordable properties with rents that work (can easily find properties that pass the 1% rule)Job growthPopulation growthA lot of jobs and schools (universities, hospitals, H&R Block headquarters, Amazon fulfillment center on Kansas side, Hallmark headquarters, Cerner medical tech company with 16k employees)Didn't get hit as bad as other cities during the recessionI also love it and would live there - that was what sealed the dealHappy to hop on the phone or chat via message to talk more about it.  

i have been told that you don't want to pay off your mortgage because of tax breaks, and because of medical emergencies.....  

We sold it almost 2 years ago just as the market was turning in our favor, but by then had exhausted savings and had some unexpected medical bills from our daughter that forced our hand to sell it and take the small amount of equity we had.

A medical situation has caused him to eat up his savings and go into debt, and his credit is shot so a traditional refinance is out for him.The house is zoned as single family, and the rentals are not "legal".  

For all one knows, it could be medical debt related and they simply paying back any secured creditors.Feel free to reach out direct if you have any questions about the BK.

I do not have that type of experience but I am effected by my physical condition and not having the ability to go to work because of some medical issues I have. 

The tenants are a small medical business that have been there for 10+ years on a series of 2-3 year NNN leases.