Hey Deborah, What terms are they offering?

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?  

Hard to beat the cashflow that this city can offer.

Don't take offense if they reject your offer.

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. 

These small successes will build your confidence and skills over time while not taking any unnecessary risks.Use Online Resources: Websites like YouTube and home improvement blogs offer step-by-step guides and tutorials for almost any project you can think of.