With your considerable experience and, I'm assuming, strong credit score, you would be well-positioned to receive high leverage and low rates from most private lenders.

@Bonnie Low  How does baselane handle credit card transactions?

Learned about his children, learned about the 60 units of apartments he owns and how he manages to keep the expenses low.

Investing in a low-crime area.I'm not being facetious. 

Now you can always rent it out and just keep it on the down low but just be aware of the risk.

Can anyone shed some light on what kind of down payment, terms and qualification requirements we would typically be looking at for an SBA or low down commercial loan?

As there are Californians still moving here, the vast majority are instead picking the states with low or no state income tax like Texas, Florida, or Tennessee.Although we still have a positive influx of people moving here, more people have been leaving due to rising housing costs in recent years.To put it in perspective, we saw around +45k in the 2010's.Overall, CO is basically a balanced net migration in recent years which is likely to keep home prices steady....

I net about 3.5-5k a month(depending on airbnb) after all expenses including my primary residence and utilities there.I have built up a good amount of equity in the houses due to the renos I've done mostly myself and also from buying low during covid.

In this low-inventory environment, the right renovation loan can open up possibilities that you might have passed by otherwise.  

1) I think it’s “funny” that not one news article I ever read for the last 5 years had headlines like “Housing at historical record lows!