However, after further research it seemed like many people were recommending Columbus over Cleveland due to the higher appreciation/job+population growth, so that's why I am doing research on both.

But, the location of the property (neighborhood), and the level of rehab is extremely high that I feel not so confident in proceeding.

Based on their website the standard payment for a 3-bed is $1,423 but that seems really high to me.

Thanks James,I'm still in the research and learning portion for sure and am doing my research on high price markets.

She makes about $35k/year, but after inquires to multiple banks, they are saying her income is not high enough to pull out sufficient equity.

If it is densly populated and most homes are similar age/size and you still cant' find any, then you can start looking back more than 6 months if needed. 

Flowers, staging, high quality photos, video, drone photos, Matterport

If you couldn’t claim it due to a high income level, they offset each other.

IMO, building wealth via SFR vehicle is hard work, in a highly competitive environment.  

I'd invest in those fast growing counties, and the economy, job growth and population growth will push up many of the properties in those areas.