If a Colorado city has actual rules at all, they're usually buried deep in a website.

Make sure to dive deep with your lender on the analysis to ensure you make the right decision based on goals, short and long term. 

Connect with a lender familiar with your investment strategy to set yourself up for success and continue building your house hack stack.I recently interviewed a local lender to dive deep into these details and talk about all the nuances.

Generally speaking, I have not seen underwriters look too deep into occupancy concerns related to second home vs investment property since Fannie/Freddie installed new LLPAs a couple years ago that make the pricing for each aligned in most cases.

Ended up moving my portfolio away from them and its like a breath of fresh air.

Hey MatthewThis question comes up multiple times a month and I (as well as others) have gone into some deep posts about it. 

Impressive Rent-to-Price Ratios: Average rents for 3-bed homes are about $800-$900/month, potentially yielding 12-15% gross returns.Economic Transition: While historically industrial, Bay City is diversifying into healthcare, education, and service sectors.Revitalization Efforts: Downtown redevelopment and community initiatives are breathing new life into the city.Strong Cash Flow Potential: Low property taxes and insurance costs contribute to robust monthly cash flows.Let's crunch some numbers on a hypothetical deal:Purchase Price: $75,000Down Payment (20%): $15,000Mortgage (4.5% interest, 30-year fixed): $304/monthProperty Tax: $100/monthInsurance: $60/monthEstimated Repairs/CapEx: $100/monthProperty Management (10%): $85/monthTotal Monthly Expenses: $649Potential Rent: $850/monthEstimated Monthly Cash Flow: $201Cash-on-Cash Return: About 16.08% (not including appreciation or tax benefits)These are rough estimates, and individual properties will vary.

It wasn't until I narrowed my focus on ONLY ONE THING general contracting that things fell more into place...My advice is to educate as much as  possible and find a niche that you can dive deep into.Meeting in person is where I found some of my best friends and mentors in the space.  

Just not as deep pockets and wanting to consider all risks. 

As stated before, certified mail to the correct address, would be the minimum most courts would accept.If you insist on doing this on your own, take a breath, and re-read what has already been said here.