If we can't find a solution, I think she will be OK with me adding her property under my own account, and then me paying her out monthly.

Strategies like living in a duplex or triplex, adding an ADU, or renting by the room can help maximize cash flow while leveraging FHA or VA loans for lower upfront costs.

@Drew Poniewaz  I just mentioned a range of reasons why zillow and craigslist delete seller financing ads. 

What many investors do is that they will purchase a handful of REI props in one market and then move on to their next/different market to diversify their portfolio and for added asset protection. 

They're more costly- not a ton, but if it eliminates stress for you, that might be the way to go. 

Eliminate debt, establish a budget, and save.

Does anyone know if I can take a withdrawal from an inherited ira and within 60 days send the funds to be added to an existing IRA I already have? 

Cleveland and Dayton can be great markets for high cash flow and low purchase prices, but you need to be careful when navigating the neighborhoods so you're not buying in a D/F class area where no property managers will manage and where you'll never see any positive cash flow.

If you don’t want to spend money I’m pretty sure you could get someone to grade the surrounding dirt and add some gutters for your $5k discount and gain you will have added value and come out ahead.

Eliminate debt, establish a budget, and save.