How much are you needing to borrow? 

And I literally started with no money and borrowed the down payment. 

A HELOC may be a good choice for you depending on how many houses you would like to flip.

Hi, yes Ohio is a good choice to invest in the real estate market.

If you prefer a nicer home with future equity growth, White House might be the better choice.

If you don't have the money, then borrow the money from someone who you will pay them for use of their capital. 

It would be a good idea to assess your tolerance to risk and then plan something like that, but using a heloc is going to be around 9-11% in this market so to pay something off with lower interest rate to borrow more might not make much sense.

If I remember correctly, there is a provision for properties with Fannie and Freddie loans to be moved to single-member LLCs after 12 months of seasoning if the only member of the LLC is the owner/borrower on the loan. 

I had this exact conversation with a borrower just a few hours ago, and it surprised us both.

Since you won't be able to recognize it as a valid rental if you're charging under market rent and you also expect to be covering any house expenses that are outside of her budget, this seems the best choice.