I have heard that it is common practice that private money lenders collect a monthly fee thru various methods, I'm trying to determine what those methods are.   

BRRRR method is also a great way to go - good luck!  

Thanks for the vote!

Hello, looking to potentially use a hard money lender in NJ. Can anyone recommend some stand up lenders I can speak to? Also if any NJ agents that are familiar with using these and transitioning out of them can reach ...

My vote is invest in other markets where the money makes sense and then take that profit to visit whenever you like. 

My primary focus is on the BRRR method, with a greater emphasis on appreciation over cash flow.For those with experience investing in Cleveland, I’d greatly appreciate any insights on neighborhoods worth focusing on.

Sure, I could look for a higher paying job, but I was wondering if anyone has any creative short-term methods to improve my ratio.

This method absolutely works.

I'd send out 500 at a time, using a different mailer/method weekly.

This depends on if you are using the Cash or Accrual method of accounting for tax purposes.