There's pluses and minuses to each choice....For Financing, the HML here in the states always drop and restart their Foreign National Programs. 

Hi, Ohio is a great choice but, you can reach out if you have any questions on regarding the Cleveland market.

The only way it can possibly be beneficial to pay 20% over market for an interest rate 3% below market is if the loan is long term, AND FULLY ASSUMABLE WITH NO QUALIFYING.  

Working close with a lender is always beneficial so you can get deals analyzed from the lending end very quickly.

To kind of give you a sense of what you are asking, it is like me asking you if Eating Out is a good choice? 

I may be overcomplicating things by considering Delaware, but a holding company still seems beneficial, even without charging order protection.

It's rarely necessary or beneficial for a beginning investor.

Keep in mind that these loans can come with slightly higher interest rates and shorter terms, but they do allow you to keep your investment separate from your personal finances.Switching the Property to Your LLC:Transferring the property to your LLC can be beneficial for a couple of reasons.

In that case, keeping the higher interest rate could be the better choice since you'd avoid the upfront cost.However, if you're confident in holding the property for at least three years or longer, locking in the lower rate could lead to significant savings over time.6.

It's most beneficial if you have multiple properties or plan to scale.This would be more for operational efficiency at your level.