It is an entire program with participating lenders, and the process should be started before you start putting out offers on properties.Read more here:https://www.nj.gov/dca/hmfa/roadhome/index.htmlIf you need funds to close, I would probably suggest starting the process for your 401k loan now.

I personally have used Chase business checking and their credit cards that offer 15-18 months 0 APR.

Do you think the larger homes offer a higher return?  

I've even made an offer on a distressed property in my last trip and had a great experience negotiating and trying to workout a deal.

Leaving your W2 job can affect your ability to qualify for a HELOC.

Don't take offense if they reject your offer.

But generally I think areas that are relatively inexpensive with low(er) crime, decent schools, a diversified job market and steady population growth are the best places to aim for.

These platforms offer valuable insights and a supportive community.Local Real Estate Meetups: Attend meetups and local REI (Real Estate Investors) clubs.

In your experience, is it common that tenant screening is not required by a landlord policy offered in the US/Colorado?   

Nice positive cash flow, stable rental situation, and incredible interest rate.San Diego offers a market a the top ish.