But they have the affordable priced properties......in comparison to the top non affordable states in the union. its also forcing us local guys out to the Andersons and kokomos too because we cant compete with the large funds bank account.

If so you may have some full doc options which have the best rates typically and terms.Like others have mentioned you have DSCR loans too but this only allows you to purchase non owner occupied properties (not primary residence or second home occupancy type properties).

Our commercial loans are also with them so it would be great if all of our loans were in one place, but in order to refinance all of our loans with them now I’m guessing we’d sacrifice a few points on some of them and have higher payments impacting cash flow not to mention a lot more interest paid over the term of the loan which makes refinancing a non-starter unfortunately.

Their LTV is 70% max and they offer a 6 percent return for the investor (non pooled funds). 

We put $75K down to begin with and likely have $85-100K in equity ( depending on what non-scientific source you check since I haven't had a full appraisal done) on it.

I had a cost seg done on one of my homes and trying to get one done on another from this company that rob with bigger pockets had done a set on.
Every time I email them it says there email doesn't exist and cannot ge...

As @Patrick Drury mentioned- the West Side does not have any POS areas (besides Lakewood, but it's only needed for previously non-owner occupied/rental properties) Something else to consider in Cleveland proper is Lead Safe Testing ..

Positive SolutionsProblem: In my county small multi-family houses are nearly non-existent and short-term rentals and second-cooking-areas are illegal.Solution: House-hack while renting MTR to traveling medical professionalsProblem: I didn’t know the many laws of the countySolution: A hired attorney 1) informed me that the county calls a house-hack a boardinghouse and 2) drafted a very comprehensive agreement that includes answers to your list of questions.Problem: Interpersonal problems can be a risk.

Why do you believe cheap housing is in the best interest of the public?

It's good that you have thought about this, but its really a non-issue.