As for the persons you said you would send an application, you may have to just be honest and let them know that since they have pets, you are not going to send an application because you have decided not to permit pets.

Lenders will need to make sure the property can debt service at 1.25 or higher using all property expenses, property income, and depending on the bank, your personal income and personal debt. 

However, as you stated, Memphis can vary significantly by street, so I recommend visiting the area personally and observe the specific streets and surroundings, or doing a zoom call with a trusted realtor who has physically been there. 

I have sympathy for that person.

Relieves the landlord from liability for property damage or personal injuries caused by the landlord's negligent acts or omissions.To put it simply, if the landlord causes damage or injury to a tenant then the landlord will be responsible for it.

DSCR LoansThis is a perfect 30 year fixed loan designed for Real estate Investors that have trouble showing personal income or are capped at the number of conventional loans they can have.

We just want to move out of this house to a new home, then spritz this one up a bit to get the most outta the sale.Is there anywhere one can find a private personal lender?

I found 9 different llcs all titled to the same person with address to suits that are being rented by social workers all the way to a staples in California.

This is an insanely loaded question.Me, personally...

I have a decent salary, excellent credit score, no personal debt, no personal mortgage.