If you ever need insights on financing options for rental properties, including DSCR loans to scale your portfolio, I’d be happy to help.

The planning staff should be able to walk you through any options for zoning changes or variances if there's a way to make short-term rentals work in your case.

DSCR or Fannie/Freddie loans can go up to 75% on single family homes, multi family homes (2-4 unit) max at 70% if you stick with Fannie/Freddie.Other things to consider would be:Paying points for a lower rate vs higher rate with no pointsIf going DSCR - Prepayment penalty term (0-5 years)The lower the loan size ($200-250k and lower), you should consider paying up to 2 points and doing a 5 year prepayment penalty if going DSCR.

I would like to find a way to generate additional income and am exploring options other than having a long-term roommate.

This will show you that people have options to go out and pick another house over your place. 

Also, I've always wondered why arbitragers don't negotiate an option to buy upfront?

The lower unit is a basement/guest suite.

I do agree with @Jules Aton though, the best option may be to wait and save up for your down payment.

If you’re looking for DIY options, PropStream and DealMachine can give you some lien info, but they may not always be 100% accurate or up-to-date.For Central Ohio, check with the county recorder’s office or clerk of courts for lien and judgment records.

Focus on networking, learning financing options, and saving up so you're ready when the right deal comes.Good luck!