Quote from @Abby Chapman: Hi- does anyone know of a bank/lender licensed in Ohio that would allow for a 2nd home loan (10%) on a duplex?

What loans are recommended?

We’d need to know a bit more about your current loan balance on the house with the 2.25% interest rate.

Tenant covenants and agrees to pay interest at the maximum lawful rate or eighteen percent (18%) interest, whichever is less, compounded annually, on all unpaid Rent, damages, and other amounts owed by Tenant, excluding late fees, from that date of Landlord’s final accounting until such time Tenant pays all such outstanding amounts.

I came across one of these loan agreements online somewhere a few months ago, can't recall where I found it but it was clear in reading the loan agreement there was no language referencing the loan actually encumbering real property, it was just an unsecured loan.  

Don't let your loan box you in2.

My first property was distressed, cosmetic+ rehab but it qualified for an FHA loan, 5% down.

If you ever want to chat about loan strategies, happy to help!

I'd forgotten about that type of loan. 

I've seen programs that go down to a $100,000 USD loan amount for foreign national DSCR loans.