We are not sur yet if we should do short term or middle term rental.

I currently have a long term rental in the Cincinnati area.

The transaction to pay the renovation guy worked fine (I provided an invoice from him to Plastiq).As Kerry Noble said above, they do seem to have "tightened up" their terms.

Looking at a strategy to Brrrr or light rehab to rent out to long term tenants.

I am a dedicated real estate agent who works with investors seeking short-term rental properties.

If anyone could help me get a mortgage or point me in the right direction, I would really appreciate it.Hello Rico,You could try to find homes where the seller is willing to offer seller financing or rent to own terms so you do not require a bank loan.We do a lot of creative financing deals in several different markets.Feel free to reach out with questions. 

It sounds like you're saying to think longer term, to let things develop.

You might be better off financing this with a short term fix and flip loan.

This is easier to achieve for short term rentals, and a bit tougher for long term rentals - but I've been getting close for LTRs as of late (closer to 7-8% for LTRs).

Primarily when downsizing they question your occupancy intent (Claiming primary residence on a fixer upper for favorable LTV terms, with intent to convert to an investment in the short term) but everything can be worked out with proper documentation.