If that can't ease the burden enough to live comfortably, the best thing to do will be to sell and walk away from the headache.

Knowing that you can double your return on your equity by selling a property you have in today's interest rate environment is a logical calculation that investors should take when trying to decide what to do with their property. 1031 exchange is usually the answer. 

A lot of investors seem to gloss over the price of a pre-payment penalty but in a Most likely dropping rate environment over the next few years that 3 year PPP can be quite costly if you cannot refi with out a large cost. 

You may consider looking in the far outer Denver area suburbs or if you're comfortable investing out of state (if you're Denver based), consider going that route. 

Otherwise, continue the educational journey until you’re feeling comfortable enough to pull the trigger on something.

Be sure to study up on your local rules and regulations and make sure you're comfortable with it all before taking this on.

This creates a particularly challenging environment for the investor in a general sense:- A regional vacation market- Competing not with other rational investors, but with people who just have a mountain home; and therefore are fine to run it at a loss.- Competition can and actually will increase in bad times, because people who own casually for second homes will try to get something instead of nothing by listing their properties for the first time.- People will fight to give everything they have to keep their primary residence, but if their second or vacation home becomes a pain in the rear, they’ll sell.

I also would like a service loan provider or some type of assistance to walk me through the first process, to understand the business and become more comfortable as I continue my note investing.

Get out of your comfort zone.

During this time, it is wise to review the lease and make sure that you're comfortable with it and also ask for proof of payment. 2 to 3 months should be OK.