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.  

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

Go on line and study your Ohio regulations.

As long the rates are competitive they are great because you don't pay origination...and it doesn't show up any place as a liability since it is just a contract between two individuals.

Your taxable income in Year 1 is in the top individual tax bracket, 39.6%.

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 .

Just use an individual name and you will be good.