About me:I currently live in Denver and manage 34 units as well as investing in Colorado Springs with 2 units.

My husband recently stepped away from his 9-5 to help me realize my dream of becoming a mid-scale infill development company and investment co-op.  

(I live in Jefferson Co but invest in Rock Co.)

No matter what a friend, co-worker, BP poster, LO (yikes), etc tells you, there is no more VA 100% cash out refinancing. 

Sometimes the title co or settlement attorney are backed up. 

Call a well company tell them the situation Ask Them to coordinate with your chosen septic company The well company will bring a generator a and they will test the well   They will also run the water to the septic system The septic company will test the septic system Just had this done on Friday   Happy to report the well pump is good to go 

Justin called around to every hard money lender until we found one, we used my dad as a co-signer (he is a blessing & always very supportive) We get to the house after we closed, Justin and my dad look at each other and laugh as they tell me the bank installed a brand new room in the time they had it listed to when they out it on the auction site.

For 2-4 units with a non-occupant Co-borrower (aka your partner) you need to provide 3% of the down payment from your own funds.Lastly, it might be tricky to have the realtor as a non-occupant Co-borrower.

You may be able to access capital with a C/O Refi DSCR loan based solely on the income of the rental property and your credit score if your self employed income & rental income cannot qualify you for a conventional loan.

We've never really done a partnership more than co-signing with my son, but we've been talking to a lot of people and would be glad to share what we've learned.