Going to 90% is not the cheapest way forward, however.  80% will give you better rate, and 75% will really make an impact on rates.

If you want to get into MTR or STR I have better markets to recommend.

Private money may be better. 

Better Business Bureau reviews, etc.).Can I set up a self-directed Solo 401k if I have full-time job?

I just don't want to keep waiting but waiting for nicer property that is B to A neighborhood may be better.

I didn't receive the full rent which was owed, but it was better than nothing.

You can get 10% or better net caps in the US, all 100% hands off.  

Is anything getting better? 

I've spent the better part of 2024 reading up on those markets and learning everything that I can about REI in general - now it's time to dive in and get to it. :)  I would not consider Cleveland a growth market, but we've certainly got some really cheap properties. 

It is better to have a vacant unit than a bad tenant.