With lad cost and cost of construction I have been having a hard time doing that and that is why now I am looking for different options and suggestions.

There are alternate money options as well. 

Hello Ryan, I was looking in those markets because my local Dover/ New Philadelphia area is small so there's not as many options available.

Take the time to assess your readiness, explore your options, and make an informed decision that aligns with your long-term goals.

If you start thinking about more of an appreciation/cashflow combo play, Columbus is a great option for you, especially since it's only couple of hours away from Cleveland. 

For some people, investing in real estate passively, as you have done, is best because they have other obligations such as a high-powered job, family or just don't want to deal with the operational side of the business. 

Building homes is fulfilling and lucrative but I often feel like my days are spent just chasing down contractors and materials, and pointing out everything that is wrong with work that has been completed.Over the last ~6 months I thought long and hard about all my options.

I'm looking into a few different loan options.

These lenders often have more experience and flexibility with properties that include ADUs and JADUs.Community Banks and Credit Unions: Local community banks and credit unions may be more willing to work with you, especially if they have a better understanding of the local real estate market and the value ADUs and JADUs bring to a property.Mortgage Brokers: A mortgage broker may have access to a wider range of lending options and could help you find a lender willing to consider your property.

For example, exploring options like PadSplit for shared housing or MTR strategies could provide avenues to achieve the 1% rule or better.