I’m a W2 employee that likes to buy and fix up short term rentals.

You can increase income by short-term rentals depending on the regulations and profitability of the area.My wife and I renovated our duplex to make it more appealing to short term renters.

Just want to put that question out to you as well, depending on your short-term and long-term goals.

Additionally, Memphis is known for its strong rental market, with a steady demand for rental properties, making it a promising area for generating reliable cash flow from long-term rentals.Your familiarity with Memphis is a significant asset.

My terms say one small dog is allowed.

laws in a way that may later be presented to only benefit you.

When someone uses the term "dog" there is a good chance it is fake.Read these HUD Guidelines in detail about Emotional Support Animals.Based on HUD guidelines, we follow this process:  We tell all prospective residents that we follow HUD guidelines. 

I use the terms interchangeably. 

I'm considering a full-doc loan if it leads to better terms. 

And I am fine with both long term and short term rentals.