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Couple of quick thoughts:
What are the laws like in Ohio?
If you wanted to open that kind of place in NY you would be facing an avalanche of regulations and paperwork, from the local Planning and Zoning Boards, all the way up to state bureaucracy ad infinitum. Hopefully Ohio isn't so hostile to new business and initiatives like NY is.
Second, while you don't like banks and lenders you will still want to incorporate sound business practices in your work, so don't completely turn your back on those with business expertise. A local lender could turn out to be very helpful in numerous ways.
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