I know the odds aren't great that I'll even get a response.

If its a duplex, odds are in your favor that both units wont go vacant unexpectedly, however if its a single family and it goes vacant, I would tack on an extra month since you wont be getting any rental income. 

Note that any development of the 6+ acres of land is restricted to industrial or commercial use, and any new construction on the land will have to be approved by the Ohio EPA.  

It looks like a good buy for the area, but I'll be the odd one out and say that I don't know if this would be a good long term buy-and-hold.

I'm working on a deal analysis for an REO property & was wondering the odds of the bank paying for closing costs, assuming they accept the offer?

But really what are the odds that two applicants will be EXACTLY the same, in the end you need to feel comfortable with the person in your investment property and contrary to popular being a jerk IS NOT a protected class so discriminate at will so long as you don't violate any fair housing laws.

Or are there restrictions?

My wife (who is anti-debt oddly enough) prefers to use financing up front to purchase to reduce the cash invested. 

I'll admit that I haven't had this come up much, but I don't find it odd that a bank wouldn't want to use a SFR as collateral on a commercial deal.

Keep in mind we are a odd industry in regards to how we deal with consumers.