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.

When someone is exploring where to dump a ton of money, it would be smart to explore all options...not just the city with the best weather and tacos :-)

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. 

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.

Is “DSCR” the best option?

If i cant do a cash out refinance right away, what are my other options for trying to get my initial investment back and how long might i need to wait?

Housing prices have risen at double the rate of wages.Since interest rates are in line with historical norms and wages are not likely to rise enough to offset the higher prices in housing, the only logical remaining option is that prices are inflated and need to come down.

If that sounds like a lot of work, it is, but that's what seasoned investors do.The other option is to invest OOS, but that also has risks.