Back when I started selling foreclosures, the REO (real estate owned) inventory was crazy high.

Highly recommended.

., property management companies aren’t legally required to carry general liability insurance, but it’s highly recommended for protection against bodily injury or property damage claims.

This normally would not be an issue but the cost of the water/sewer is extremely high in this area and specifically because the meter is a one inch, the costs are much higher than a normal 3/4 inch on a non-duplex. 

Especially in Dayton, where you'll get that high cash-flow. 

I’ve been working with several lenders for DSCR loans, but I’ve found that the fees are quite high, with minimal benefit in terms of lowering my current interest rate.

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It will be highly dependent on the district and licensing.

Even though there is low inventory, interest rates are high, and many properties don't cash flow, look harder there are always deals, you just need to find/make them.

Quote from @Jules Aton: If you are doing high grade laminate that should be good.