Now that the 5% down conventional loan program is widely available (since November last year) I generally recommend using that as opposed to FHA because FHA comes with minimum property condition standards, the self-sufficiency test, and it's less attractive to sellers.

Feel free to reach out - with access to a wide array of lenders we have the best products available.

I'm trying to get creative while also minimizing risk, and my eyes are wide eyed to the new information and potential opportunity.

Ultimately, the buyers agents Broker is the one that will have to approve and sign the form and to some extent, may be out of the agents control to negotiate too low.I hope this helps clear it up a bit. 

It covers a wide range of topics including finding potential properties, financing deals, and managing tenants.

Both of those criteria should be searchable to some extent via software/apps like Propstream.

Furthermore while some neighborhoods currently have a glut of inventory, its not the case city wide.

These type of loans for such projects are usually negotiable to an extent, which will vary your amount you need for downpayment and closing costs.I know I've said a lot but I hope this helpsIf your deal is good and you qualify, they may be willing to bend and relax some rules for you.

Cincinnati, in general, has a little more upside to Cleveland to me, but I am not an Ohioan so I am sure there is wide debate and it depends where in those areas you are looking.

This should leave your income wide open to buy something and invest.