I didn’t want to be in the section 8 approved landlord list, didn’t want the paperwork, didn’t want section 8 tenants after google more section 8 stories online.

All of them have  Residential loan products for investment properties.  15, 20, and 30 year mortgages.You can also try on-line Lenders like LendingTree or Quicken Loans.

I have, however, done some casual searching online for local credit unions, and have found at least a small handful that will lend higher than 85% LTV (with less favorable terms, obviously).

Once I figure out most of question 5, I will know if I am able to possibly execute the buy and hold until the units come online.  

Most people on the Oregon Coast in populated and touristy areas typically choose to do VRBO or Aribnb to hopefully get more income but long term leases are also a good play on the coast.

What is the typical "path" I would need to take (Online course?

Go on line and study your Ohio regulations.

The bank is TD so I am assuming they generally play it safe and don't want to risk it.

Correct , minenis mostly small job, the few of them who called , I check their online reviews most of them has very low review on other sides .

Yeah, I think that only comes into play if the sale price is more than double the purchase price.