@Kirsten MillikenNot a lawyer here, so all disclaimers apply (not legal advice, you should consult an actual attorney, you know ... )Like @Eric DeNardo said, you can go to the Colorado Secretary of State's website, and use their checklist to set it up online. 

Read copy & paste info below:If you apply Class A assumptions to a Class B or C purchase, your expectations won’t be met and it may be a financial disaster.So, when investing in areas they don’t really know, investors should research the different property Class submarkets.

Is there an area applying for a 1% rule in this tough market in Columbus?

If they have lost that, there is a identification number stamped on the frame that you can use to apply for a replacement at DMV. 

They can provide guidance on potential legal options and rights concerning the city’s demands and the lender.Negotiate with the City:Seek Extensions or Variances: Your friend can request an extension on the deadline to comply or apply for variances that might allow the property to meet less stringent requirements.Explore Grants or Subsidies: Check if there are any local, state, or federal grants or subsidies available for renovating older properties, especially those providing low-income housing.Engage with the Lender:Discuss Financial Hardship: Present the case to the lender, explaining the situation and the financial hardship imposed by the new building codes.Propose a Loan Modification: Suggest modifying the loan terms, such as extending the loan period, reducing interest rates, or even deferring payments temporarily.Negotiate a Short Sale: If the property must be demolished and rebuilt, your friend can discuss the possibility of a short sale where the lender agrees to accept less than the owed amount to avoid foreclosure.Explore Refinance or New Loans:Seek New Financing Options: Look for other financial institutions or private lenders willing to provide financing for renovation or rebuilding.

Fair Debt Collection Practices Act (FDCPA): This law applies when a debt collector contacts a borrower on behalf of the bank.

If code enforcement likes what you've done, maybe apply for a variance.

If so that could be applied towards this situation.

This can get tenants in with low upfront cash requirements and only serious tenants will apply as they know the fee is non-refundable.

How long do you have to have owned property before you can apply for a DSCR loan?