My 3 yr old dashund has a lump! I came home from work yesterday I always play with her lay her on her back n rub her tummy that's when I notices this lump in her tummy near her vigina she acting normal n playful as she usually is it seems not to bother her but I know it's not normal to be there

What did the vet say when you took her to the vet?

Diagnosing a medical issue is impossible to do over the internet. If this is a concern, and it should be, you'll need to take her to the vet.