Are you comfortable reaching out directly to banks/credit unions?

There was enough cash flow that I creatively used a 3rd mortgage to help fund the 20% down on the first two loans.

@DeBret McGee IIYour best bet is to secure a deal with creative financing, seller financing or meter lease options.

These typically cost money.Direct contact: In some cases, you may be able to contact the owner directly by knocking on the door and speaking with them.

You can also go straight to the source - Direct DSCR Lenders - don't necessarily need a mortgage broker to shop for you (especially if you are here and asking the right questions and clearly are sophisticated - unless you are SUper-strapped for time, you don't seem like an investor that needs to pay a broker for help - go straight to the lender)3) Last question- i'm seeing rates on DSCR loans in the 7.2% to 7.5% range, in addition to 1 to 2 points and they likely track 10 yr treasuries (4.26% as of today).

There are a lot of Denver investors who should be able to weigh in directly here.

The thing is he wants to sell it directly to me (FSBO) without the use of an agent to save on commissions.

To fund additional investments, consider side income, creative financing or creating a timeline with your co-owner for converting property B into a rental to generate cash flow.

This amount will be a direct cost of refinancing that you'll need to factor into your overall analysis.3.

So, these properties are probably as close to "mailbox money" as one could get with direct REI.