I'm also not interested in condos/townhouses as I owned one previously locally, and it really restricted what I could do. 

I found a PM that restricted the total number of days owners could stay.

You may also want to consider a 3% down conventional loan on a SFH / SFH+ADU OR 5% down conventional on a 2-4 unit - this way you won't be restricted by your current FHA

Nashville, IN is known to have rental restrictions on STRs in the area, so I would double check the regulations.

I can admit there are likely good reasons for these validations and restrictions for Property management professionals and accounting gurus, but for a small time landlord like myself they come across as annoying.

Geographic Expansion: Don’t restrict your investments to one location.

For 3-6 months of seasoning, the appraised value can be considered, though LTV restrictions often apply.

Most new home communities have super HOA restrictions on investors, like you have to live in the home a year before renting and/or they only allow a certain % of rentals like 1% or all kinds of other roadblocks.Plenty of opportunity in North Texas, but for the most part stay away from new builds for rentals.

They are a legit lender, but I have found their terms to be average and their guidelines are more restrictive than other options. 

River, I have bid on a few properties that would be great for short term but most of what I am looking at are for long term due to town restrictions and very good school districts.