I plan to buy the half-acre plot from a land bank in a small town in northeast Ohio. 

You need to look into local community banks and speak with their commercial lenders.

@Jamie Banks may be able to help - do you know anyone who does MTR in the same house?

Some sleep better at night with zero debt, while others love to use leverage and are willing to take on more risk.Community banks right now will go with 80% LTV.

Have you talked with any banks in KC? 

Quote from @Jamie Banks: @Jordan Alexander I'm taking a creative financing course now and I'm learning that a lot of investors pay the mortgage that they acquired after the sub2 deal closed from a servicing account. 

Some banks may lend as a HELOC on the rental property, or refinance it, but you're right you'd have to get your mom on board for that. 

There are also additional costs of operating and maintaining an LLC, like separate bank accounts, annual report filings, tax filings, etc.2.

For almost any kind of permanent rental/investment property financing (whether Conventional, DSCR, or local bank), you are going to need a decent credit score to qualify.

But then again every lender that is not my commercial banks I find frustrating. :)..