This is our first investment so we are trying to make sure we are making a good choice.

I have a choice to make on which lender to go with on my rental property refinance, however as I research each lender, I cannot find adequate information about their actual business practices.

But since that is the choice you have made: I don't know what it is like in Pueblo; but in Mesa County where I live there is a person on staff that walks you through the process and the necessary paperwork that needs to be filed (they don't fill it out for you - just provide the steps).

Feel free to inquire about their staff qualifications if it's a larger organization.2.

Those are geared more towards professional PM companies or landlords with larger portfolios.I'll message you directly with additional information on more afford solutions.

We have purchased a larger home and made two full dwelling spaces; a kitchen on the main with 4 bedrooms and a kitchen in the basement with 2 full bedrooms. 

But if you know you need 25% down, then leveraging what you already have would be the only choice left.

If the answer to all three is Yes, I buy.And let life unfold.I have NO IDEA what the ultimate return will be….NONE….And neither does any other investor if they are honest…..most crystal balls I find are broken.But if one acquires the property is a solid long term manner based on fundamental investing principles and is never forced to sell…History indicates the long term trajectory of price and rents are up.In my experience, real estate follows cycles……. 6 or 7 years of a bull market, 1 or 2 years down (though the up is always larger than the down), 1 or 2 years of flat which then sets the floor for the next run up.

Feel free to inquire about their staff qualifications if it's a larger organization.2.

Nobody is probably happy with that arrangement...PM, listing agent or the tenant.I'm thinking you have 2 choices.