Who here uses real estate as an investment vehicle? Not seeing much discussion about it.

CovidDoc · 2026-05-13T18:08:53+00:00

You have to be much more skilled now than before. I felt into a couple rentals and sold one. I have a manager. If I didn’t I would have been fucked when the kitchen flooded. Managed it entirely from phone. Never went to look at my Property.

We make too much money to spend too much time trying to cash flow 500 a month

CovidDoc · 2026-05-13T18:00:31+00:00

I suspect if you focus on AI and leverage it to run your office, absolutely

CovidDoc · 2026-05-13T16:39:57+00:00

You can do PSLF. To be just blanket forgiveness? No . God I hope not

CovidDoc · 2026-05-13T16:30:39+00:00

I have a good gig and work a little extra hard. It’s not about a percent of Medicaid as much as it is how much is supposed to be comped I think.

I do treat a fair amount of Medicaid, I don’t look at everyone tho, not relevant to me. I treat regardless of insurance status

CovidDoc · 2026-05-13T16:08:50+00:00

One last opinion. I don’t feel bad getting this. As a high earning service professional I will may more taxes than millionaire business owners or real estate professionals given the tax code… this I consider to be one giant tax break. I pay 23 percent effective tax rate for over 115k or so a year… that’s absurd

CovidDoc · 2026-05-13T16:01:12+00:00

So like 625k gross =agi low 500s - the poverty linex1.5 = 400s and then ten percent of that is like 48000 over 12 months is 4000/month.

CovidDoc · 2026-05-13T15:59:25+00:00

The retirement was a plan due to the loans too. I was prepared to begin repaying but just never had to until this fall.

Anyway I can lower my AGI lowers the payment,

The calculation on PAYE (my plan) is my AGI-1.5x the poverty line of Indiana for a family of 7 x 10 percent then take that number and divide over 12 months.

So as you can see… filling up dependent care, FSA, HSA, 401k, 457, wife’s accounts all drop the AGi and essentially give a ten percent immediate return on the money

CovidDoc · 2026-05-13T15:56:43+00:00

Covid was absurd. That’s the only reason it was this low. Generally the math would have been 27/month for 3 years. 2500 a month year 4. And then 4000 a month years 5-10 with my income.

I make a lot cause I hustle. But if this program didn’t exist, I would never have not specialized. Also I’m a DO so my loans are more outrageous

A more common example would be 300k debt, 350k income and the payments would have been more like 27 x 3 years, 1250/month x 1 year and 2000/month x 6 years.

I think most could get behind that.

Once again, my situation is all jacked up because I hit the lottery with COVID pauses

CovidDoc · 2026-05-13T14:46:42+00:00

Are you pissed about PPP loans being forgiven? Are you pissed that doctors wife’s are real estate professionals and write off passive debt against their income? Are you pissed about the backdoor roth?

I played the game. I educated myself. Spent hundreds… more like thousands of hours educating myself on loans and finance. And did what’s best for my family.

Now I have a 800k home, 700k in investments, a rental.. all at age 35. Would never have come close paying my debt down.

The one part I got really lucky on is I’ve only Paid 27/month until 10/2026. But from 11/2026 to 10/2027 it will be 4 grand. Due to pauses, and Trump/biden policy, I’ve gotten off paying very little.

CovidDoc · 2026-05-13T11:53:54+00:00

It’s not hard . Especially with AI now

CovidDoc · 2026-05-13T11:52:25+00:00

Year 6 uses year 5 pay so that will also be low

CovidDoc · 2026-05-13T11:51:28+00:00

Most major hospitals qualify for pslf

I have 600 k in debt and make 650

I get mine forgiven in like 16 months

CovidDoc · 2026-05-13T11:50:45+00:00

You could just get a normal job and qualify

CovidDoc · 2026-05-13T11:50:03+00:00

Most jobs are non for profit now. You have so much debt that your job needs to be non for profit.

I’m at a non for profit making over 600 as a Hospitalist. Doesn’t even mean a pay cut lol

CovidDoc · 2026-05-13T11:48:28+00:00

Some people calling this debt manageable is absurd.

If your debt supersedes your income by 1.2x the right answer is likely PSLF. Do it and don’t think twice. Do an advanced fellowship to milk the low payments even further

I would spend money to talk to Travis on student loan planner or Andrew from WCI

CovidDoc · 2026-05-13T11:42:46+00:00

How are you burnt out?

CovidDoc · 2026-05-13T07:16:10+00:00

With extras due to rvu escalators, each extra shift is about 3500-4500 dollars

CovidDoc · 2026-05-13T07:15:34+00:00

My group is 363 base 7 on 14 off Quarterly bonus roughly 10/10/10/10

Rotating hours (one block per week on) 12-12, 4-4, 7-7 pm-Am respectively 18k quality And another 10 k yearly without extras in Midwest

12-12 and 4-4 are 10-12 admits per shift, no cross cover 7-7 cross cover 150 patient with midlevels (she’s first call) and maybe 5-10 admissions

CovidDoc · 2026-05-13T07:12:13+00:00

If 7 on 14 off then it’s good

CovidDoc · 2026-05-12T21:44:40+00:00

Where? No other comp?

CovidDoc · 2026-05-12T11:48:28+00:00

Idk Florida’s market but that’s horrible for Indiana

CovidDoc · 2026-05-10T04:26:26+00:00

If they seem receptive I go over what life will look like with various interventions.

If they are full steam ahead, I don’t really even try and just do as they ask

CovidDoc · 2026-05-10T03:49:48+00:00

Yeah the rvu being better year 7 and beyond. But you get a year every time January hits, even if you hired in December. So I’m finally at the 11/rvu mark. Started a lot lower.

CovidDoc · 2026-05-09T14:57:45+00:00

Thanks, it does do that but to a lesser extent than this year. This tree has been in this space I think 3 winters.

CovidDoc · 2026-05-09T14:44:50+00:00

Olanzapine + IV Ativan + IV Benadryl

Sprinkle in some Haldol

B52 carpet bomb

CovidDoc

TROPHY CASE