I currently own one home in NY as LTR, one STR in SWFL but am looking to expand my portfolio.

Do you know where I could find/access lists of seller carry back notes?   

Does your company only operate in Memphis or plan to expand to other markets?

(That last one might qualify for what you are trying to do, but you're going to run into some underwriting barriers if you simultaneously increase the rate and payment without a very strong reason--and accessing cash for real estate investment is probably not going to be what they want to see, depending on the lender).2.

Las Vegas attracts investors from all over the world for good reason so I think you are on the right track starting here before expanding.

I currently use the security deposit replacement and rental damage protection product from Waivo, which I accessed through my Furnished Finder dashboard for my mid-term rental (MTR).

Yep, off water, but with nearby water access and view seems to be the same ROI considering the cost of the property. 

Quote from @Tom Server: I’m looking for advice on the best way to access about $100k to pay off my 401k loan, credit card debt, and cover some rehab costs.Here the information-  I purchased 2 properties last year, 1 is a rental property that i had for about 8 months, the balance of the mortage is 170k, worth around 300k .

Line of Credits (like HELOCS) allows access to a set amount of money up to a pre-determined limit and it is revolving.

Haverhill is another interesting area with reasonable home prices and a lot of municipal developments in the works (also the commuter rail and easy access to major highways).