Here are some of the ways that I use chatGPT on a daily basis.ChatGPT enables me to find information, not links to web pages.

What are the loan terms? 

We have about $30k of net cash flow from our 2 active properties - 1 short term, 1 mid term.

I'm sure you've seen this website, but this is the full info: https://www.savannahga.gov/1476/Short-Term-Vacation-RentalsYou could buy a property with a STVR certificate already in place.You could by on Wilmington and Whitmarsh Islands - they are not regulated yet.

Do people put exercise equipment like treadmill or stationary bike in their mid term rentals?

Term 3-5 years.Can anyone advise me as to terms I should offer (interest rate, points, fees etc) and anything else I should be looking for to make this loan?  

I focus on long term appreciation plays. 

However, my uncle who handles short-term rentals suggests I might could make much more turning it into short-term rental. 

Primarily I'm looking to get into fix and flips then move into long term rentals.

There's a lot of research you could do on VRBO/AirBNB/AirDNA to compare similar properties in terms of rates and occupancy, but my experience is that Gulf Shores and Orange Beach are more popular because of the nearby amenities, nightlight, recreation, and other things to do.