I have a rental condo in Denver that I need to do either a cashout refi or some kind of delayed financing on.

In your experience, is it common that tenant screening is not required by a landlord policy offered in the US/Colorado?   

Regarding not good credit, I usually request a co-signer and copies of their bank statements showing that they have sufficient reserves in case anything arises.

.: Quote from @Chris Seveney:of course he doesn't lol covering his investors on this "project" should be small potatoes for this high roller:"Today I own over 10,000 rentals and handling assets worth $2.1 billion..." if you believe they own 10,000 rentals outright then I have some swampland in florida.the "i own" is "I am a GP/Co-GP" who manages a LLC that the GP owns 30% of that has X doors. the use of  "I" is always misleading.

For HomeReady loans, financed properties owned by a non-occupant co-borrower that are owned separately from the borrower are excluded from the number of financed properties calculation.https://selling-guide.fanniemae.com/sel/b2-2-03/multiple-fin...

I own 45 LLC's. 40 in Wyoming, 3 in Colorado and 1 each in Alaska and South Dakota.

If the tenants are staying usually the only initial repairs/renovations we do while they’re still in the unit is to upgrade the smokes/CO detectors to hard wired and anything else that turned up as a life-safety issue in the inspection.

Yes, Ins co's are getting picky! 

I will possibly be able to have a family member co-sign for me but trying my best to avoid having to do that. 

After that fiasco, I called one of my old banking co-workers at a local Tampa community bank.