I’m based in Columbus and own properties here, as well as in Cleveland and Hocking Hills.

Based on rent of $1,695, I think you'll be lucky to get an appraised value of $160k with a CoC return well under 2%.

Based on your question, you have two core decisions to make, and they may conflict with one another - where do you want to live, and where do you want to invest? 

I suspect maybe something like Hagerstown or Cumberland, which yeah are Class D like markets with declining populations, high drug problems, no strong job base which leads to non paying tenants.

There are a lot of proposed legislative changes coming up state wide and also municipality based.

Was your loan based on just the purchase price or the total project cost? 

Loan seasoning requirements are usually based on the note date and the loan purpose, like cashout refi. 

Since the rent roll was too low, she had to secure financing through a private lender that based the loan on market rent rather than the current rent.

Based on this experience, I feel I have a fair sense of what pricing should look like.Do you have any supplemental carriers you’d recommend?

I have seen services like Likely.ai, PropertyRadar, PropStream etc.I'm also open to coding via Python based on publicly available APIs.