It's a lot of liability for the employing broker with minimal return so it's just a hard pitch for you to make.

What size multi-family homes are you interested in and do you have an idea of what part of Cincinnati you're looking in?

Those are requirements, not just good ideas.You are incorrect in regard to the source of the gift being exclusively limited to family members.I believe that there are some other select approved sources, such as a close friend, employer, and a few others.  

Even those who lost their homes through foreclosure or short sales still needed a place to live and desired to stay in the same general areas so they became renters.It is important to consider how the industry/business sectors which employ your target tenant pool are likely to perform during a downturn.

Cash out refi and heloc are not seeming options at this juncture since I just officially started my RE investing business, am self employed (debt/income ratio) and I'm working on improving my FICO scores. 

Is there any difference in the frequency or extent of the problem within different types of property or based on their size or their floor plans or their geographic locations?

It also may be they're just at the size of deal where they're too big for small developers but too small for larger developers. 

There is no one size fits all.  

Some employ a very linear strategy, in that they always operate with the same strategy in the same asset class with the same geographical focus.

It offers background, criminal, employment, credit, previous addresses and known aliases.