What about LaZBoy is that a decent middle of the road option? 

There a ton of great DSCR options you can find on the Lenders tab at the top of the page, or connect with an experienced broker who can shop all the best lenders for you and educate you on the best options out there.

However, if you want long-term stability and predictable payments, refinancing might be a better option, especially for larger projects.

I was going to do that in an attempt to get creative with my financing options so that there are no liens on it and I could borrow against it as an option.

You might have other options to explore to drum up liquidity (HELOC, Margin Loan, Policy Loan, etc) that can supplement your HYSA in the DP.

Hey @Sundone Boutvyseth,Similar to what @Brad Jacobson said, your best option might be a secondary residence loan if you want to STR.

Since you want to aggressively invest in the near future, you will need cash and the 30 year option is the right one for you.

Outside of raising money from others or seller financing, I am looking to see if there are private or other lending options that could cover 10-20% of a downpayment on these loans with a shorter loan term of say 5 years.

I was looking for some advice (viable target areas in Cleveland or Ohio in general, financing options and credible PM/realtor contacts) from the experts here though especially if you are in a similar boat as mine (reside in Canada/Ontario area and invest in US). 

The best option would likely be a construction loan, which can cover both the purchase of the land and the build.