If the title of your properties is vested in an LLC, and you file a BUSINESS tax return, it's important to note that positive rental income cannot be used to offset your DTI.

You’d need to file the Articles of Organization with the Colorado Secretary of State (the cost is around $50), get an EIN from the IRS (which is free and can be done online), and possibly draft an operating agreement, which isn’t required in Colorado but is still a good idea.

There are also additional costs of operating and maintaining an LLC, like separate bank accounts, annual report filings, tax filings, etc.2.

I would like to do the state filing myself, because its easy and cheap.

If you don't get a rejection, call the agent's supervising broker, if that doesn't help call the State Realtor Association and file a complaint.

I'm sure they'll just make sure the company has no assets and debt, so when they get a few million dollar fine they'll just have the company declare bankruptcy and dissolve.

There are also additional costs of operating and maintaining an LLC, like separate bank accounts, annual report filings, tax filings, etc.2.

If they continue to not return phone calls, my recommendation would be to contact your state securities and financial board and file a complaint.

The part that seems to continuously get people (unfortunately, and for lack of better words) is the "no evictions, no bankruptcy, and no more than 6 non-medical collections." 

Here's a spreadsheet I made that will help you think about the house hack vs buy vs rent decision - available for free here on BiggerPockets: https://www.biggerpockets.com/files/user/scotttrench/file/ho...