I was trying to analyze a home for medium term rental. 

Do you do commercials, have a website, advertising medium? 

That, or do medium or short term rentals (neighborhood and condition specific though, doesn't work for every property). 

Leaning more torwards fix n flip or medium/long term rentals. 

If you get decent rates, you might even keep the loans for the full 30 year period.You could even use one of the units as a short or medium term rental, further increasing your rental income.

@Rachel ManningUnless you're in an area that just doesn't appeal to medium-term renters (say a remote property away from any city amenities), then you're always going to make a little more as a midterm rental than a LTR. 

If you're aching to squeeze out a few more dollars, you could look at furnishing it and renting as a medium term rental, but to me, you're on the right path.

For our medium term tenants, we've used Turbo Tenant, Zillow Rental Manager and Apartments.com.

Depending on your risk tolerance, explore and consider the following strategies to achieve cash flow: short-term rentals, medium-term renewals, or rent-by-the-room.

You are going to cost yourself so much money, and time (time = more money).......I'd strongly suggest that you get over your aversion to loans and take one on for a small, medium distressed flip and get a good GC to help you put lipstick on it, then sell it for a little bit of profit.Now you will have some experience and a much larger comfort level with the whole deal.