The current owner is believed to have a hoarding disorder, which is likely given what I've noticed about the unit and his car since moving in.

While I understand the climate out there , I find it hard to believe that someone wouldn’t want to blanket or even refi them separately.

If that's the case, putting less down could make it harder to cashflow given the interest rate climate. 

I am an out of state investor, so understanding what materials work best in an Ohio climate would also be a factor I would want to weigh.Any opinions or comments would be appreciated.

Also be sure to invest in a market that you think has great potential and is doing well in regards to various different factors (Population growth, Economic diversity, job growth, Anchors in that area, Job diversity, Climate risk, etc).

With the tougher economic climate, we created [...] to assist homeowners to screen, find & select suitable housemates.

Buying in this climate is definitely not for the faint of heart but nor does it mean you won't come across a great opportunity.

It's because of evil landlords like you buying up all the properties that this home would cost $9,000,000 today. 4) You spend money on unnecessary upgrades, like working furnaces which cause climate change, and push these microaggressions in my face to try and justify charging high rent. 5) If landlords didn't charge such high rent, there wouldn't be any homeless.

Let me know your overall thoughts of this deal in today's climate.

You have the best climate in the continental US.