At this point I’m contemplating walking and finding a new lender.

Is it a common practice for the property mgr to NOT be in attendance when a loan appraiser does a walk-through of a rented property?

Run away, do not walk.

Toledo has many parks all around the area, especially near the Maumee River which runs down the center of the city and attracts many families in the area to go for evening walks, bike rides, picnics, fishing, kayaking, and more.Toledo is also the home to many employers.

Toledo has many parks all around the area, especially near the Maumee River which runs down the center of the city and attracts many families in the area to go for evening walks, bike rides, picnics, fishing, kayaking, and more.Not to mention the jobs that are here already and are coming, Jeep, Owens Corning, Amazon (Two locations), DANA and even Pelaton is bringing their first US facility to Toledo. 

If he balks at the interest rate or that you don’t want to do a balloon then walk away.

If you don't know the law, your tenants can walk all over you.https://www.nolo.com/legal-enc...

With the execution of a new 1-year lease and placement of a security deposit by the new tenant PLUS a pristine final walk-through of the property, you will allow her out of the lease. 

Ask: Any Cincinnati Investors recommend any General Contractors that I would be able to walk a property with to get more accurate rehab estimates?

I could easily sell this and walk away with 50-60k.