Mostly due to the fact my spouse and I agreed on her to have zero involvment in any sort of RE investing (and its our home) I think once you have a good 6-12 months of reserve cash (operating expenses for your own life saved as a back up incase things go bad) save enough liquidity to get the ball rolling on your first invesment.

If you have a PM that is stealing from you, they probably have all sorts of ways to prevent you from knowing that.I would be surprised if any licensed property manager is misrepresenting the rental amount on the statement.

I doubt many are going into credit card debt or if they are that's kind of crazy.. as this part of real estate has no smoke and mirrors generally.And I suspect because most of these folks are doing some sort of PPM and need to deal with accredited investors.. that separates those wanting to start to those who have already had some financial win's or experience and just looking for a new avenue.. 

Seems to me it would be a bit complicated with any sort of lending.

The odds of default go up significantly for those who have no skin in the game.

Really looking for a coach of some sort- so appreciate all responses and input 

There are a few ways to skin this cat.

I have not heard of one of those, but am gearing up to buy my second house and could possibly use some sort of loan program like that!  

You can go to a CU or local bank but they want a wad a cash from you for skin in the game and your going to have a rough interest rate. 

This will get you 90% of the way there and should be sufficient.It works the same in a saturated area, it's just more to sort through.You are aware that STRs in Denver are allowed only in certain zones and you must live onsite?