There is so much good with this city and the list of major employers (FedEx, AutoZone, St Jude, etc.) does not disappoint.

In order to answer that question, one would need a better understanding of the strategy you intend to employ in your Buy and Hold business.

Like @Steve Babiak mentioned, call around to small-mid size community banks and see if they will entertain 20% down.  

For me personally, are there any moral strategies that one can employ to use something like this to my advantage? 

Just not in the curriculum in the school system.So I try to help some  with financial and even soft skills or they may not get employed or able to save money.It seems they are ok in the basement until they meet someone, then we have classic "family formation" driving the home buying.

Depending on the size of your units, have you looked into ductless air conditioning?

Population growth vs decline, employment rate, crime rate trends in property values.

Hi everyone,I have recently started venturing in the REI world with the goal of replacing my full time employment.

Yes, I know the Fed and others are talking about full employment, but wage growth doesn't bear that out.  

These homes are the low cost houses in an owner occupied neighborhood or the high cost houses in a rental only neighborhood.C Class: Tenants likely have jobs and employment, but have a harder time making things work.