in colorado springs and i'm looking to replace my old laminate countertop with a new one, plus a new sink brushed nickel. 

.- If you have a family member or really good friend, try to work out a deal where they co-sign on the loan with you so you can use their credit.- If you are unable to buy a personal home with your credit right now, you may look into other avenues such as investment property with HML. 

My question is if I went in with my sister as a co borrower (her being the occupant) could the title be switched solely to me after a year or two when I’m ready to develop it? 

You could still do a CO refi on your CA rental up to 60% or 70% LTV and access $128k - $190k with fair terms in the high 3s to low 4s for interest rate.

I love Colorado and especially Colorado springs.

Section 8 program recipients should have a letter or voucher - this will be the most accurate way to find out rental amounts from Sec 8.Voucher values increase from time to time so our best source for this information has been through connecting with local Section 8 and City Fheps program coordinators.

Finally, as already noted, the entire term is co-opted and corrupted.

You are best to look into seller financing, using a co-signer, or a JV before going this route.

I need it to pass a CO inspection.

I need it to pass a CO inspection.