Any landlord that thinks a tenant owes him something can file a collection and mess up their credit?

Also no one with felonies, evictions, or credit under 650.

I bought when the property values were at their absolute lowest and they could only go up. 

You go in front of a judge they appoint a trustee and you make scheduled payments usually smaller than the previous payment until you get caught up and a head.In most cases you can rebuild your credit scores while you are making payments back to the trustee.

I do appreciate the no hassle and quick credit for spam leads or duplicates when I make the request, although it would be great if the system picked them up in advance.

This will be the lowest barrier of entry into investing, as well as help minimize your living expenses.We are located in the Denver Metro as well, so if you do want to chat and explore options or just start planning feel free to reach out!

What documents do they require, what credit scores do they allow, how do they verify previous rental history, etc.?

Some of our local banks and credit unions have great deals - much better than national lenders.  

I have excellent credit, $100k in savings, the lot value to use as collateral and about $500k equity in my primary residence. 

A lender would have to be a fool to lend on collateral that wasn't protected - if the house is lost in a fire or whatever, the loan is unsecured at that point and is basically credit card debt.