FYI for all real estate questions regarding the Columbus market I recommend @jimmylieu - he is the BEST! 

The basic fees on a loan make up too high a percentage on low priced loans which classifies them as predatory.

The sweet spot is high margins × high volume.

Bigger Pockets is a great place for education and networking and is full of great content.I recommend that you check out the following resources:1.

If everyone could sit back, find real values on line, and make offers based on those values everyone would get rich flipping properties.  

Also, any tips on how to respond without sounding snarky?

Join in some local groups or check online listings such as Zillow, Redfin, etc.If you're also in need of funds for your real estate venture don't hesitate to reach me.

The best way is doing through an agent but if you really prefer not to use an agent, I would recommend posting on Zillow and FB marketplace (I have had good luck with both). 

Water table is high due to these rain water drainage issues.

It’s a SFH and I don’t rent it by the room, but I bet State Farm wouldn’t have a problem with it on this type of policy.I ended up with this policy after searching almost 6 months for someone who would cover an STR in a high wildfire risk area.