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

Feel free to DM me if you'd like to discuss further. 

The only issue I see is that the report from Onera Group only provided Fresno data for free.

I am not an attorney and this is not legal advise but the three ways to revoke a T.O.D. deed is 1) Record a revocation 2) Record a new T.O.D. deed or 3) Record a deed transferring to a third party or a trust.You can also try legal aid in San Francisco: https://www.sfbar.org/jdc/free-legal-help/Good luck....

Don't take offense if they reject your offer.

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

If you look at many newer homes, people have payed to have their floors worn and beaten, you have it for free.

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.

I have been on the MLS researching different properties that can become my first deal but I have not made any offers.

:-) Outside the US I use the Corelogic calculator because our local insurance companies provide a no-frill version for free.