If anyone has leads on some contacts for me to try out here in Colorado, please let me know.

Need more information as to your plan.A  co-borrower can make the owner occupant look better but the lowest middle mortgage FICO is used and everyone signs the note.

And I assume they factor payroll using their inhouse property management co. but I agree I'd probably 2-3x that. 

Small multifamily, provide local housing, numbers looked good which is hard to find in this area with long term tenants, rapidly appreciating area in the mountains of Colorado close to Breckenridge.

If not, how about a general contractor / construction co?

Personally, as a real estate agent on the ground in Colorado Springs and Denver, I see how often sites like Redfin and Zillow and Realtor.com are wrong about these things, but come on!

Also, have you considered a co-signer? 

Finally, she gave me the phone number of her social worker.

I would reach out to Mike Dissett at Union Bank Co.

First time post, long time lurker.We purchased our first STR in Crested Butte, CO in November 2019.