I may sub-meter these costs back to the tenants in the future.Lawn:  -$0 - There really isn't much of a lawn to speak of.  

Then only speak with people who have listened, understand I am an investor and not a retail buyer... and STILL leave a message.

I'm going to speak with the seller further to seek a win-win deal.

Not sure if you've found an investor friendly attorney yet but I highly recommend Warren Kirschbaum 561-530-4560  [email protected]   He is very savvy with any type of real estate and speaks at many of the local REI's in palm beach county. 

I plan to speak to a recommended property manager to get their thoughts.

That's being an investor, completely ok under Ohio RE law (per my summarizing and understanding of Jeff Watson's efforts).Re lease option'ing from sellers, if you only speak to the owner of you leasing into your own name, signing a option to buy into your own name for some reasonable option fee paid to the seller, this is not a licensed activity per my understanding.  

You own an old property, so depending on the condition it may run higher.I don't own properties where flood insurance is an issue, so I can't speak to that.As a commercial lender you'd know this better than me, but the 1.1-1.2x DSCR is lower than I'd recommend for future purchases - I don't feel comfortable with anything under 1.5 on my properties.

I'd be happy to speak with you about helping your clients with hard money if you'd like.

I am finding this site invaluable and I appreciate the warm welcome hope to speak /conduct business with all of you soon.

You will need to speak with the Clerk of Court on these matters for how to access such records.