Greetings, CO newbie jumping into SFR investing while working a FT job. 

So when you say cash flow do you mean (rental income - all expenses - mortgage payment (P&I)) = cash flow  - at the most basic level?

If the value is there to cash out more than you have into it, then you can balance how much additional cash you want vs. your cash flow comfort level.

Depending on what your income level is and marital status (single with no kids?)

I also want the property to qualify for refinancing without having to use my personal income or tax returns to do so, as I am a 1099 employee and have only been at this job for a year so I really wont qualify.I talked to a bunch of local banks and they all basically told me that I need to come in person to meet with them. 

I’ve lived in Ohio my whole life but am moving to Colorado Springs in July to be closer to family.

With the rise of work for home/telecommunting more and more higher level employees do have the ability to live further away from the office if they only have to be there once a week/month.

So I continued paying my Realtor fees but I started focusing more on moving my corporate career to higher levels. 

(If it makes a difference for access to resources, we're in Denver, CO.)

The main reasons I am not in the pawn shop industry today is I don't want to stand behind a counter 8-10 hours a day and I don't want employees!