Yeah I would suggest waiting it out until signings or as late as you can and future star either two close states that are cheap or just New York. I actually took a D3 team in in New York recently so from my experience I would say, either New York or Pennsylvania are the two best for a big state, but Michigan was the one I ended up going with (I actually am in a great part of NY in my opinion).
You just don't want to overextend your cash too soon but there's plenty of good talent you can get late, even if they end up being a redshirt guy this year.