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I'm not too familiar with that area but it doesn't appear to be a major growth city.

I believe that I've heard that Chemical Bank and Hunington has some good programs as well.

There are insurance programs specifically for flipping that are month to month billing. 

They tend to be gentler, more responsible, and the programs naturally create a network to help keep your rooms filled.

Also, there are mentorship programs you can pay into as well. 

@Jay Hinrichs we use FCI who is licensed in every state for servicing@Chad Urbshott I checked and OH is appears it is not required: https://www.collectionlicenses.com/ohio-collection-licensing/

Some lenders have "float downs," but typically these are lenders with high "starting" rates to begin with, they're just cutting into excess profit they normally collect, it's not actually a float down even though it appears that your pricing gets better.So if you're getting a good rate, expect not to be able to float it down.

While I prefer coastal cities such as the ones you mentioned, I was also considering Cuenca and Guayaquil as well since they appear to be pretty popular cities to live in and tourism.

In some neighborhoods, owners don't control changing the exterior appearance of their own property.