You can definitely put them in collections and seek a judgement.Collections should be able to be done anywhere.

The forums are great but tax pros here don't know all the ins and outs of your specific situation so it's hard to give definitive answers.Do the house hack though!

Deciding between buying down the rate and saving for a potential refinance can definitely feel overwhelming.

A 'good PM' fits the definition of an oxymoron, at least in this area. 

Quote from @Charlie MacPherson: They seem like the textbook definition of time wasters and as an agent, time is your most precious resource.Unless they want to pay you a strong hourly rate for submitting - and let's call them what they are - garbage offers, tell them to lose your number.I am very tempted.

Also, I would definitely read that book by David Greene!

@Garrett Brown Thanks for the suggestions with "the enemy method" and the BiggerPockets calculator, I haven't heard of it but I'll definitely make sure to check it out. 

That area does have its share of crime, but with SLU and Grand Center nearby, it's definitely manageable, but not for the faint of heart.

I definitely recommend that you seek out a Certified Cost Segregation Professional so that you are confident in the quality of the work performed and the deliverables produced.

The Jerome Village income charge is definitely unique and it's not common at all in Columbus subdivisions.