124k in student loans is going to be a dog collar on you until you start paying that down.

If you have any questions or concerns about the Detroit market please feel free to chat with me.

Demand payment within 30 days or threaten to send them to collections, take them to court, or whatever you plan to do.If they don't pay, move forward with court, collections, etc.Taking someone to court may get you a judgment, but that doesn't put money in your pocket.

It might not seem like much at first, but over time, it will pay off.

One property has already been rehabbed and is on the market, though it hasn’t attracted much interest yet despite being listed for a few weeks.

Usually a small price to pay for the added convenience.Happy to connect to answer any questions you may have. 

I have no idea whether these are or are not allowed in OH as I don't lend there, but a loan with a 2 or 3 year prepayment penalty would likely have lower points and fees because you are basically paying that penalty up front as a fee in this loan.

You want a group or someone that knows this side of the market and will take the time to talk to you about it.

Cold calling is only one marketing method.  

@Thomas TrotterIf you want to network or ask specific questions about your local market, go to your local real estate forum and connect with investors from your area: https://www.biggerpockets.com/forums/86-local-real-estate-networkingYou can meet local investors by registering to attend real estate events in your area: https://www.biggerpockets.com/forums/521-events-and-happenin..Good luck .