@Zeni Kharel One thing to add regarding an HSA is to look at what you spent on medical in the past year (out of pocket or deductibles) and make your payroll contributions align with that.

https://wolfstreet.com/2025/09/11/cpi-inflation-dishes-up-an...𝐓𝐡𝐞 𝐃𝐢𝐥𝐞𝐦𝐦𝐚Inflation, especially in “core services”, (housing costs, medical, insurance, etc.), is running well above the Fed’s comfort zone.

Then when you get much outside that area then it gets bad fast.Either place might be able to also rent to medical staff, visiting professors and such....but on Furnished Finder I see a lot of backlash. 

Quote from @Kristi B Leonard: Hi all,Traveling medical professional with a 2-year contract, wanting to lease my MTR for the whole 2 years. 

If medical collections are hurting the score, I have let that slide; if it's a utility collection like phone or electric, that is a red flag for sure. 

It sounds great, but it doesn’t add up.Think about it: would you trust a doctor with no degree who says they’re just “learning on the job”?

Of course, everything in taxes is case by case, but I'm sick and tired of explaining to frustrated high-W2 doctors and other high-income earners why their taxes are not going down like the sponsors "promised" them.More here:https://www.biggerpockets.com/forums/51/topics/839015-are-sy...https://www.biggerpockets.com/forums/51-tax-legal-issues-con...

Or are you looking at commercial: retail, medical, office, industrial, etc, too?

The space can be used for office, medical office, or even retail however it's on the 2nd floor of the building so it's most popular for office.

The MTR strategy works best on smaller units close to large hospitals (medical staffing).