As long as no “healthcare” services are provided (like medication or personal care), it’s not regulated by the Department of Health.

Helped several clients, specifically physicians this year along with @Jason Wray's medical program acquire STR's and take huge advantage of this. 

I was advised to look at Binghamton, specifically close to the SUNY Binghamton campus, which would most likely equal renting to college students, or the UHS Wilson Medical Center for medical students and/or medical professional tenants. 

Medical debt is one thing.

In 2026, they should focus on launching the wife’s business (potentially electing S-Corp status), setting up a Health Reimbursement Arrangement (HRA) for tax-free medical reimbursements, and shifting family income strategically.

I look at the report to see why the score is low - sometimes it's a medical issue or a divorce or something similar.

Bribery, slow government, no high end medical.  

But when they are more lax in one area, they tend to be tighter in others, such as capping out at 60% LTV or rejecting a borrower who has done dozens of loans elsewhere because of a marijuana felony on their background check from 30 years ago in a state that has legalized it.But back to the original question... yes I agree with everyone that most DTI-based lenders will still count the DSCR debt against you, regardless of whether or not it reports to your credit. 

Example Bowling lane versus Medical office.  

However, in my experience (and I manage a lot of MTRs in Florida), a very small percentage of our MTR guests end up being traveling medical professionals.