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.

It sounds like the person is already a tenant and if that's the case, you can ask for credentialing, such as a Doctor’s note to validate and verify if it’s a legit medical need, if you cannot confirm the need then you can deny the accommodation. 

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.

We actually built the medical clinic right by that on Churn Creek Rd., and also a small 4 building office complex just across from the high school several years ago. 

The VA was in crises mode with medical appt back-ups and wanted to throw money at placing homeless Vets.I don't need all that, I said. 

Was it overwhelming medical debt?