My vet is in this exact situation. He said he just plowed through, never really assessing the economics, just eyes on the prize. He’s very successful, but given the hole he is in, he’s told me that he’s not sure he would have done it had he property worked through the math.
BTW, this isn’t a discussion most vets would have with their clients. I’m an optometrist, nearing retirement. It’s not uncommon that I’ll chat with younger healthcare professionals of all varieties in practice management issues and/or financial planning, as a friendly mentor.