Below is a high level overview of the Freddie Mac SBL, Fannie Mae Small Loan, and HUD 223(f) programs.

Any trusted registered agent or advice will be highly appreciated. 

Does anyone utilize high interest savings accounts for their cash flow.

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.

Rates are too high.

However, due to keep purchasing real estate, my DTI is high and close to 50%.

Even if it's a total rehab if the land bank has a property in an area where the arv's are substantially high wouldn't that be a good deal or a promising neighborhood for buy and hold.

She will get you set up with a consultation.They specialize in High-Level Tax Strategy, using real estate as the primary vehicle. 

Crime and Tenant Quality: With the higher crime rate in 76104, how much impact could this have on tenant retention and turnover?

Sometimes hard to find this happy medium in rate sheets, though.Another consideration would be taxes - points are typically treated as interest, so if your tax obligations are high this year vs being higher in the future, then this could also impact buying down now vs paying a little more in interest in future years.