It really depends on the investor, their comfort level and goals. 

The higher the deductible the lower your overall premiumbut get quotes on all the deductibles you are interested in.

So... do I still need to check PH level.?

Since you're analytic savvy, run some high level amortization schedule scenarios to see how much equity you gain through annual principal payments.

.- not sure of your home market but i assume you are choosing ohio for its lower cost.  

Here's a breakdown to consider:Cleveland: @Zeke Liston You're right, Cleveland often boasts lower purchase prices, making entry easier.

The lower unit is a basement/guest suite.

But, even if someone was I would imagine the financing terms you can get a mid level furniture store would be much better then a hard money loan anyway. 

It may feel cumbersome, but their diligence reflects the level of security and service you can expect once onboarded.

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