By any chance did you grow up in/around South Memphis? 

Investing is different from speculating, in that it’s data driven and therefor predictable and you have factors that play in that covers your downside and strengthen your chance of upside. 

Any chance you could send me a copy?

If the use of the funds are for business purposes, like investing in real-estate, you will have an easier chance of qualifying for a loan documentation and income wise.

Other than that there isn’t much chance of doing a house hack where my wife and I currently are.

This way you get the chance for appreciation as well! 

It's just not the reality.I don't know your wife's income so it's hard to know what you need to replace in order to let her retire but if you think you'll get her retired in the next year or 2....you will have a 99% chance of being let down.Becoming financially free, or not needing a 2 income household comes down to 2 simple factors.

I want happy campers in my network - you've helped reiterate any deal can be good at the right purchase price.Huh, well, that is a kudos on your level of research or you've got some serious luck on your side because as chance has it I have experience working both with organizations similar to what you described and in leasing by the room. 

@Placeholder PlaceholderOne word of caution I would advise: If a community or local government is enacting restrictions and also regularly enforcing them, then its often a reflection of the local community sentiment which increases the chance of a neighborhood or nearby resident calling you in if they think you may be running an STR.

There's a good chance the issue(s) you face has already been discussed and answered.Ask questions in the appropriate forum.