Positioning for buyers to come back to the market.  

I have done some research and feel like Midwest is a good option for either (might be wrong).

Plus, there's still so many positive cash flowing and 1% deals here in Columbus Ohio.

You would be in the second position.

I see my options are limited, but had one last idea that maybe someone could assist with, maybe I'm crazy to even think this could work?

There are many other ways to qualify besides DSCR, like bank statement averages or even P&L statements that can offer lower down payments..check in with @Joseph Chiofalo he's a 20+ year mortgage colleague and can help with structuring and options.

This debt type would throw economic projections for economists and increase the risk of lending for lenders.Phantom Debt is created when a consumer chooses the Buy Now Pay Later (payment plan) option when making online purchases.These types of payments are not currently reported to any credit agencies as debt which is why they have been given the term "phantom."

Insurance difficulties are everywhere these days, but it seems there is at least one (expensive) option in most instances.  

I am located in the Charlotte area and would agree about the presence of our financial sector but also medical is a huge industry as well.If your outlook is 10 years then going with either option will prove fruitful.

I would rent by room for positive cash flow.