I see you mentioned Orlando, I would invite you to come to CFRI (Central Florida Realty Investors), we are the local chapter of the national REIA and cover 6 counties.

Welcome to BP and great to connect with another local Milwaukee investor

I'm assuming in your local Ohio area - check with who has potentially done this and ask them.

If you have strong credit and a good relationship with your local bank, they might be able to offer you something suitable.For lenders offering DSCR loans that don’t use DTI, only cash-out refinance options are available.

Check your local laws and see what will be the fast and easiest for you.

@Victor Nguyen Try attending local real estate meetups. 

Quote from @Seth Rosellini: Go to BUILD YOUR TEAM at the top of your screen, and you can search for other MEMBERS or LOCAL MEETUPS.

Engage with local officers to gather insights about the neighborhood, and don't hesitate to ask them specific questions about the property.When touring, pay attention to tonality, body language, and hidden cues from sellers.

Look for a small/mid size local bank that specializes in this, they will detail what you need, survey, building permit, architectural plans and a builder contracted for starters.Or when you're ready to subdivide/redevelop you just sell to a builder and have them split the lots and transfer title to you for your smaller lot, he keeps the others and let him mess with the utilities and building. 

They're here locally in St.